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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 5786 · IN B · 69/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-B B (69/100)
  • MID-PACK #3146/4307
  • PHOTO-FINISH Union State Bank · AL
  • TIER1-WELL 14.2% Tier 1
  • TEXAS-CLEAN 12.0% Texas
  • ROA-THIN 0.69% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Indiana: Union State Bank, AL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Spencer County Bank

Lowest and highest poles plus nearest scored peers outside Indiana, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100CorTrust Bank Nation… · SD ·…69/100Spencer County Bank · IN · t…69/100The First National B… · TN ·…69/100Union State Bank · AL · near69/100Western National Bank · MN ·…69/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Spencer County Bank · July 2026

What Spencer County Bank's Call Report plate shows

Spencer County Bank (FDIC Cert #5786) carries a PlainBankData health grade of B at 69/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,146 of 4,307. Tier 1 capital prints at 14.19%, clearing the 10% well-capitalized line. The Texas Ratio is 11.97%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.69%. Balance-sheet scale is $131M, 3,508th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Union State Bank (AL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Spencer County Bank

3 FAILURE resolutions in Indiana since 2000 (3 since 2008)

Spencer County Bank's home state sits in the middle band of post-2000 FAILURE counts (3; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Spencer County Bank remains an active FDIC-insured reporter.

  • SCB BANK SHELBYVILLE, IN 2012 → FIRST MERCHANTS BANK, NATIONAL ASSOCIATION
  • INTEGRA BANK NATIONAL ASSOCIATION EVANSVILLE, IN 2011 → OLD NATIONAL BANK
  • IRWIN UNION BANK AND TRUST COMPANY COLUMBUS, IN 2009 → FIRST FINANCIAL BANK, N.A.

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Indiana banks.

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.

0/100100/100National avg77/10069/100
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 Assets

$131M

Total balance-sheet footings

Total Deposits

$112M

Customer-funded liabilities

Net Loans

$79M

Outstanding loan book

Net Income

$896K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.79% 14.19% 15.59%
Basel III capital ratios - Spencer County Bank

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

69 27th percentile higher than 27% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Spencer County Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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 ratios for Spencer County Bank

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

What these ratios mean →

Profitability metrics: Spencer County Bank

Return on Assets (ROA)
24th percentile nationally
0.69%
Return on Equity (ROE)
5.10%
Efficiency Ratio
76.05%

What these mean →

Income & expense at Spencer County Bank

$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.

FDIC Failed Bank List → View Spencer County Bank on FDIC BankFind →

Top banks in Indiana by total assets

Largest banks headquartered in Indiana
  1. 1
    Old National Bank $71.8B

    Evansville, IN · Grade B

  2. 2
    Merchants Bank of Indiana $19.4B

    Carmel, IN · Grade A

  3. 3
    First Merchants Bank $19.0B

    Muncie, IN · Grade A

  4. 4
    Centier Bank $9.7B

    Whiting, IN · Grade A

  5. 5
    1st Source Bank $9.1B

    South Bend, IN · Grade A

Top 5 banks in Indiana ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($131M here), outside Indiana so the neighborhood is not state containment.

The Bendena State Bank $131M · KS First State Bank $131M · IA Preferred Bank $131M · MO Fidelity Federal Savings and Loan Ass… $131M · OH

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.

Spencer County Bank Call Report profile · FDIC Failed Bank List · Indiana FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Indiana

All Indiana banks →
BankAssetsGradeROA
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%