Total Assets
$131M
Total balance-sheet footings
FDIC Cert #5786 · Santa Claus, Indiana · Est. 1927
Spencer County Bank - FDIC Bank Health Profile
A community-scale look at Spencer County Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $131M
- Total assets
- B
- Health grade · Good
- 0.69%
- Return on assets
- 14.2%
- Tier 1 capital
Data updated July 2026
The verdict
Spencer County Bank earns a PlainBankData health grade of B (69/100), with well-capitalized at 14.19% Tier 1, 0.69% ROA, 76% efficiency ratio.
- #3,508
- largest of 4,313 FDIC banks by assets
- 19th
- percentile by asset size, nationally
- 14.19%
- Tier 1 ratio - above the 10% well-capitalized line
- 24th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Spencer County Bank's 69/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Spencer County Bank's composite health score
Tier 1 Capital Ratio (14.19%) 35/40
Return on Assets (ROA) (0.69%) 14/25
Texas Ratio (11.97%) 16/20
Efficiency Ratio (76.05%) 4/15
69 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$112M
Customer-funded liabilities
Net Loans
$79M
Outstanding loan book
Net Income
$896K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Spencer County Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Spencer County Bank's score of 69/100 falls in the highlighted band.
Spencer County Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Spencer County Bank's $131M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
14.19% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.19%
Texas Ratio
11.97%
Equity Capital
$18M
Profitability metrics
Return on Assets (ROA)
24th percentile nationally
0.69%
Return on Equity (ROE)
5.10%
Efficiency Ratio
76.05%
What the numbers say about Spencer County Bank
Spencer County Bank is an FDIC-insured institution (Certificate #5786) headquartered in Santa Claus, Indiana, established in 1927. It holds $131M in total assets - 3,508th of 4,313 FDIC-insured banks, $112M in customer deposits, and $79M in net loans. Its capital position: a Tier 1 ratio of 14.19%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 11.97% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (69 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Spencer County Bank is a community-scale institution -- 80th of 90 FDIC-insured banks headquartered in Indiana by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$6M
Interest Income
$666K
Non-Interest Income
$4M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Spencer County Bank reports a Texas Ratio of 11.97% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
11.97% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Indiana by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Spencer County Bank (FDIC Cert #5786) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Indiana
All Indiana banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Old National BankEvansville | $71.8B | B | 1.16% |
| Merchants Bank of IndianaCarmel | $19.4B | A | 1.20% |
| First Merchants BankMuncie | $19.0B | A | 1.27% |
| Centier BankWhiting | $9.7B | A | 1.67% |
| 1st Source BankSouth Bend | $9.1B | A | 1.84% |
| German American BankJasper | $8.4B | A | 1.46% |
| Lake City BankWarsaw | $7.0B | A | 1.61% |
| Horizon BankMichigan City | $6.4B | C | -1.96% |
Frequently asked questions
What is Spencer County Bank's health grade?▼
Spencer County Bank receives a health grade of B (69/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Spencer County Bank?▼
Spencer County Bank holds $131M in total assets and $112M in deposits, ranking 3,508th of 4,313 FDIC-insured banks by asset size. It is headquartered in Santa Claus, Indiana.
Is my money safe at Spencer County Bank?▼
Yes, deposits at Spencer County Bank (Certificate #5786) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Spencer County Bank's Tier 1 Capital Ratio?▼
Spencer County Bank has a Tier 1 Capital Ratio of 14.19%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Spencer County Bank?▼
Spencer County Bank has a Texas Ratio of 11.97%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Spencer County Bank?▼
Spencer County Bank has an Efficiency Ratio of 76.05%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Spencer County Bank's profile as a depositor or analyst.
- Spencer County Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Spencer County Bank against other Indiana banks before moving funds. Indiana banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.