Total Assets
$131M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Spencer County Bank — FDIC Bank Health Profile
Santa Claus, Indiana · Est. 1927. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #5786 Chicago Region
F
Health grade
At Risk
Score: 18/100
Basel III capital ratios — Spencer County Bank
Total Deposits
$112M
Customer-funded liabilities
Net Loans
$79M
Outstanding loan book
Net Income
$896K
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
0.00% of risk-weighted assets — below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
0.00%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$18M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
0.69%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
5.10%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
76.05%
Income & Expense Breakdown
$6M
Interest Income
$666K
Non-Interest Income
$4M
Non-Interest Expense
FDIC Deposit Insurance
Spencer County Bank is FDIC-insured (Certificate #5786). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
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. The bank currently holds $131M in total assets and $112M in customer deposits, with $79M deployed as loans. It operates as a State chartered (State member bank) within the FDIC Chicago region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Spencer County Bank reports a Tier 1 Capital Ratio of 0.00% — below the 6% "adequately capitalized" minimum set by federal regulators and a Texas Ratio of —. Equity capital stands at $18M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 0.69% and a Return on Equity of 5.10%, with an Efficiency Ratio of 76.05% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of F (18/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Spencer County Bank is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Indiana by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Spencer County Bank (FDIC Cert #5786) — Tier 1 capital ratio, total assets, deposits, CRA rating · 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 Bank Evansville | $71.8B | C | 1.16% |
| Merchants Bank of Indiana Carmel | $19.4B | B | 1.20% |
| First Merchants Bank Muncie | $19.0B | C | 1.27% |
| Centier Bank Whiting | $9.7B | B | 1.67% |
| 1st Source Bank South Bend | $9.1B | B | 1.84% |
| German American Bank Jasper | $8.4B | B | 1.46% |
| Lake City Bank Warsaw | $7.0B | B | 1.61% |
| Horizon Bank Michigan City | $6.4B | D | -1.96% |
Frequently Asked Questions
What is Spencer County Bank's health grade? ▼
Spencer County Bank receives a health grade of F (18/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank has significant financial challenges. All deposits remain FDIC-insured up to $250,000.
How large is Spencer County Bank? ▼
Spencer County Bank holds $131M in total assets and $112M in deposits. It is headquartered in Santa Claus, Indiana.
Is my money safe at Spencer County Bank? ▼
Yes. Spencer County Bank is FDIC-insured (Certificate #5786). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Spencer County Bank's Tier 1 Capital Ratio? ▼
Spencer County Bank has a Tier 1 Capital Ratio of 0.00%. The federal "well-capitalized" threshold is 10%. This bank is below the 6% minimum for "adequately capitalized" status.
How efficient is Spencer County Bank? ▼
Spencer County Bank has an Efficiency Ratio of 76.05%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.