Spencer County Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Spencer County Bank of Santa Claus, IN against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.74% | 1.34% | -0.60% | 21st bottom |
| ROAE | 5.25% | 13.32% | -8.07% | 15th bottom |
| Net Interest Margin | 3.88% | 3.93% | -0.05% | 47th below |
| Efficiency Ratio | 75.18% | 61.13% | +14.05% | 19th bottom |
| PPNR / Avg Assets | 1.01% | 1.68% | -0.67% | 21st bottom |
| Yield on Earning Assets | 5.20% | 5.67% | -0.47% | 31st below |
| Cost of Funds | 1.47% | 1.88% | -0.41% | 71st above |
| Net Interest Spread | 3.27% | 3.32% | -0.05% | 47th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.13% | 0.94% | +1.19% | 12th bottom |
| NPA / Total Assets | 1.32% | 0.70% | +0.62% | 14th bottom |
| NCO / Avg Loans | -0.02% | 0.16% | -0.18% | 89th top |
| ACL / Total Loans | 0.83% | 1.28% | -0.45% | 12th bottom |
| ACL / NPLs (Coverage) | 38.69% | 1546.33% | -1507.64% | 6th bottom |
| Texas Ratio | 12.46% | 7.34% | +5.12% | 16th bottom |
| Provision / NCO | 2000.00% | 1394.75% | +605.25% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.57% | 12.14% | +2.43% | 84th top |
| Equity / Assets | 14.27% | 11.36% | +2.91% | 85th top |
| TCE / Tangible Assets | 14.27% | 11.08% | +3.19% | 87th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 70.53% | 80.66% | -10.13% | 70th above |
| Core Deposit Ratio | 95.51% | 86.85% | +8.66% | 86th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.33% | 6.84% | -6.51% | 21st bottom |
| Loan Growth (Y/Y) | -1.73% | 7.92% | -9.65% | 16th bottom |
| Deposit Growth (Y/Y) | -0.78% | 6.29% | -7.07% | 19th bottom |
See Spencer County Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Spencer County Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Spencer County Bank profile, how to read a UBPR, or how this data updates.