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 Spencer County Bank
Spencer County Bank
| RSSD ID 871648 | CERTIFICATE 5786 | ABA NUMBER 81308006 |
| 55 N L J Koch Blvd |
Quarter Ended : |
2025-12-31 |
| Santa Claus, Indiana, 47579 |
Updated : |
2026-02-10 |
| www.spencercountybank.com |
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| Institution Profile |
| Year Opened : |
1927 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
Yes |
| Filing Type : |
051 |
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| Specialization : |
Mortgage Lending Specialization |
| Number of Offices : |
5 |
Number of Employees : |
43 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 130,893 |
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Total Interest Income | 6,294 |
| Total Liabilities | 112,625 |
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Total NonInterest Income | 666 |
| Total Bank Equity Capital | 18,268 |
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Total Interest Expense | 1,678 |
| Total Deposits | 111,981 |
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Total NonInterest Expense | 4,017 |
| Net Loans & Leases | 78,959 |
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Net Income | 896 |
| Loan Loss Allowance | 593 |
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Net Charge Offs | 172 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 79,772 |
| Total assets for the leverage ratio | 132,278 |
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Loans secured by real estate: | 66,581 |
| Tier 1 Leverage Ratio | 14.19 |
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Commercial and industrial loans | 5,106 |
| Off Balance Sheet Exposures (%) | 6.34 |
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Loans to individuals - Credit Cards | 316 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 5,586 |
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:· Spencer County Bank
