Spencer County Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 7.05 percentage points in Q2 2026, from 45.74% to 38.69%. It was the largest change from Q1 2026 among the key lines here. Within Indiana, Spencer County Bank is 66th of 87 on return on assets, 0.74% as of Q2 2026, below the middle of the field. Spencer County Bank reported 0.74% on return on assets for Q2 2026, 0.52 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.57% |
| Equity capital to assets | 14.27% |
| Tangible equity to tangible assets | 14.27% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.13% |
| Non-performing assets ratio | 1.32% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 12.46% |
| Allowance for credit losses to loans | 0.83% |
| Reserve coverage of non-performing loans | 38.69% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.74% |
| Return on equity | 5.25% |
| Net interest margin | 3.88% |
| Efficiency ratio | 75.18% |
| Yield on earning assets | 5.20% |
| Cost of funds | 1.47% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.53% |
| Core deposits to total deposits | 95.51% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.12% |
| Securities to assets | 23.21% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 13.10% | 0.96% | 3.81% | 0.47% | 0.02% |
| Q4 2023 | 13.48% | 0.74% | 3.69% | 0.48% | 0.10% |
| Q1 2024 | 13.55% | 0.72% | 3.60% | 0.54% | 0.01% |
| Q2 2024 | 13.55% | 0.81% | 3.74% | 1.51% | 0.02% |
| Q3 2024 | 13.92% | 0.79% | 3.64% | 2.00% | 0.07% |
| Q4 2024 | 13.97% | 0.71% | 3.64% | 2.04% | 0.01% |
| Q1 2025 | 14.09% | 0.74% | 3.68% | 1.89% | 0.10% |
| Q2 2025 | 14.09% | 0.77% | 3.88% | 1.22% | 0.64% |
| Q3 2025 | 14.02% | 0.78% | 3.80% | 1.54% | 0.06% |
| Q4 2025 | 14.19% | 0.44% | 3.74% | 1.74% | 0.05% |
| Q1 2026 | 14.45% | 0.83% | 3.77% | 1.71% | 0.03% |
| Q2 2026 | 14.57% | 0.74% | 3.88% | 2.13% | -0.02% |
Spencer County Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Spencer County Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Spencer County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5786) · FFIEC NIC profile (RSSD 871648)