Spencer County Bank
Santa Claus, IN · Cert 5786 · Peer group: banks under $1B in assets (n=581-629)
State charter, non-member · FDIC · 5 branches
Q2 2026
$131.2MAssets
$78.7MLoans
$111.6MDeposits
$18.7MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 76% of banks under $1B in assets (rank 151 of 629).
- Widest gap: nonperforming loans / loans trails 93% of banks under $1B in assets (rank 542 of 581).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.79%
Rank 423 of 629
Net Interest Margin
3.55%
Rank 308 of 629
Efficiency Ratio
73.96%
Rank 410 of 629
Equity / Assets
14.27%
Rank 151 of 629
Non-interest income vs. expense
Unfavorable gap of $3.3M · efficiency ratio beats 35% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.79% | 0.60% | 1.01% | 1.45% | Beats 33% | 423 / 629 | |
| Return on Equity | 5.51% | 5.38% | 9.30% | 13.28% | Beats 26% | 468 / 629 | |
| Net Interest Margin | 3.55% | 3.03% | 3.54% | 4.05% | Beats 51% | 308 / 629 | |
| Efficiency Ratio | 73.96% | 58.35% | 67.79% | 79.08% | Beats 35% | 410 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.00% | 0.09% | 0.46% | 1.20% | Beats 7% | 542 / 581 | |
| Net Charge-Offs / Loans | 0.06% | n/a | 0.01% | 0.06% | Beats 26% | 429 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 14.57% | 11.24% | 13.84% | 18.77% | Beats 56% | 275 / 629 | |
| Total Risk-Based Capital Ratio | 14.57% | 11.58% | 14.43% | 19.66% | Beats 51% | 311 / 629 | |
| Equity / Assets | 14.27% | 9.09% | 10.65% | 13.80% | Beats 76% | 151 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 70.53% | 67.24% | 80.90% | 93.48% | 31st pctl | 408 / 594 | |
| Loans / Assets | 60.03% | 53.31% | 67.71% | 78.15% | 34th pctl | 414 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |