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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Santa Claus, IN · FDIC certificate #5786
SPENCER COUNTY BANK is an FDIC-insured institution based in Santa Claus, IN (FDIC certificate #5786). In its Q3 2026 Call Report it reported total assets of $132M, total deposits of $113M and net loans of $78M. Its primary federal regulator is FDIC.
Plain-language readout
SPENCER COUNTY BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $132M in Q3 2026 and were lowest at $131M in Q2 2026.
Total deposits were highest at $113M in Q3 2026 and lowest at $112M in Q2 2026.
Over the whole period total assets rose 0.6%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $132M | $113M | $78M | 0.79% | 5.57% | 3.94% |
| Q2 2026 | $131M | $112M | $78M | 0.79% | 5.58% | 3.88% |
| Q1 2026 | $131M | $112M | $78M | 0.83% | 5.92% | 3.82% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $13.2M | $15.3M | -$2.1M | -13.6% |
| Federal funds sold | $1.3M | $158K | +$1.2M | +737.3% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $30.3M | $29.3M | +$1.0M | +3.6% |
| Equity securities with readily determinable fair values, not held for trading | $111K | $20K | +$91K | +455.0% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $78.1M | $78.4M | -$300K | -0.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.1M | $1.1M | -$21K | -1.8% |
| Other real estate owned | $53K | $53K | $0K | 0.0% |
| Investments in unconsolidated subsidiaries and associated companies | $232K | $233K | -$1K | -0.4% |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $245K | $256K | -$11K | -4.3% |
| All other assets | $6.4M | $6.5M | -$107K | -1.6% |
| Total assets | $131.2M | $131.4M | -$223K | -0.2% |
| Liabilities | ||||
| Total deposits | $111.6M | $112.2M | -$568K | -0.5% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $799K | $713K | +$86K | +12.1% |
| Total liabilities | $112.4M | $112.9M | -$482K | -0.4% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $200K | $200K | $0K | 0.0% |
| Surplus | $3.8M | $3.8M | $0K | 0.0% |
| Retained earnings | $15.3M | $15.0M | +$244K | +1.6% |
| Accumulated other comprehensive income | -$564K | -$579K | +$15K | +2.6% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $18.7M | $18.5M | +$259K | +1.4% |
| Credit and capital | ||||
| Gross nonperforming assets | $2.4M | $2.8M | -$350K | -12.7% |
| Adjusted nonperforming assets | $2.4M | $2.8M | -$350K | -12.7% |
| Tangible equity plus allowance | $19.1M | $18.8M | +$303K | +1.6% |
| Texas ratio (gross) | 12.62% | 14.68% | -2.06 pts | See points |
| Texas ratio (adjusted) | 12.62% | 14.68% | -2.06 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 12.62% | 14.68% | -2.06 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 14.57% | 14.45% | +0.12 pts | See points |
| Construction and land loans to total capital | 10.85% | 12.59% | -1.74 pts | See points |
| Commercial real estate to total capital | 15.00% | 17.04% | -2.04 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -3.96% | -4.12% | +0.16 pts | See points |
| Liquidity | ||||
| Core deposits | $106.6M | $106.4M | +$228K | +0.2% |
| Non-core funding | $5.0M | $5.8M | -$796K | -13.7% |
| Loans to core deposits | 73.84% | 74.25% | -0.41 pts | See points |
| Loans to deposits | 70.53% | 70.41% | +0.12 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 33.49% | 35.08% | -1.60 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $5.0M | $5.8M | -$796K | -13.7% |
| Earnings | ||||
| Earnings before provision, year to date | $703K | $368K | +$335K | +91.0% |
| Earnings before provision, single quarter | $335K | $368K | -$33K | -9.0% |
| Provision for credit losses, year to date | $60K | $30K | +$30K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.32% | 6.26% | +0.05 pts | See points |
| Yield on interest-bearing balances due from banks | 3.91% | 3.44% | +0.47 pts | See points |
| Total interest income to average assets | 4.84% | 4.76% | +0.07 pts | See points |
| Cost of interest-bearing transaction accounts | 0.05% | 0.15% | -0.10 pts | See points |
| Cost of savings and money market deposits | 0.22% | 0.21% | +0.01 pts | See points |
| Cost of time deposits | 3.68% | 3.75% | -0.07 pts | See points |
| Total interest expense to average assets | 1.23% | 1.26% | -0.03 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $132M | $113M | $78M | 0.79% | 5.57% | 3.94% |
| 2026-06-30 | $131M | $112M | $78M | 0.79% | 5.58% | 3.88% |
| 2026-03-31 | $131M | $112M | $78M | 0.83% | 5.92% | 3.82% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| IN | $112.5M | 0.05% | 106 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.