Spencer County Bank (FDIC certificate #5786) is based in Santa Claus, Indiana. Its Q2 2026 call report shows $131.2M in total assets and $111.6M in deposits and 5 offices.
Based on its Q2 2026 filing, Spencer County Bank scores 58/100, which we describe as moderate. That is higher than only 16% of 2,650 banks with $100 million – $1 billion. Among 88 banks headquartered in Indiana, it ranks 69th. Its strongest component is capital cushion (96/100; 14.57%), and its lowest is loan quality (0/100; 3.00%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 11 points (69 → 58), mostly because the loan quality component weakened by 40 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 63 |
| Q4 2024 | 62 |
| Q1 2025 | 59 |
| Q2 2025 | 69 |
| Q3 2025 | 64 |
| Q4 2025 | 59 |
| Q1 2026 | 59 |
| Q2 2026 | 58 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.55% |
| Q3 2024 | 13.92% |
| Q4 2024 | 13.97% |
| Q1 2025 | 14.09% |
| Q2 2025 | 14.09% |
| Q3 2025 | 14.02% |
| Q4 2025 | 14.19% |
| Q1 2026 | 14.45% |
| Q2 2026 | 14.57% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.06% |
| Q3 2024 | 2.28% |
| Q4 2024 | 2.48% |
| Q1 2025 | 2.85% |
| Q2 2025 | 1.80% |
| Q3 2025 | 2.32% |
| Q4 2025 | 2.84% |
| Q1 2026 | 3.43% |
| Q2 2026 | 3.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.78% |
| Q3 2024 | 0.79% |
| Q4 2024 | 0.77% |
| Q1 2025 | 0.75% |
| Q2 2025 | 0.76% |
| Q3 2025 | 0.77% |
| Q4 2025 | 0.69% |
| Q1 2026 | 0.83% |
| Q2 2026 | 0.79% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 58 | $131.2M | 14.57% | 3.00% | 0.79% | 69.9% |
| Q1 2026 | 59 | $131.4M | 14.45% | 3.43% | 0.83% | 69.9% |
| Q4 2025 | 59 | $130.9M | 14.19% | 2.84% | 0.69% | 70.5% |
| Q3 2025 | 64 | $131.6M | 14.02% | 2.32% | 0.77% | 70.8% |
| Q2 2025 | 69 | $130.7M | 14.09% | 1.80% | 0.76% | 70.8% |
| Q1 2025 | 59 | $128.9M | 14.09% | 2.85% | 0.75% | 71.3% |
| Q4 2024 | 62 | $126.4M | 13.97% | 2.48% | 0.77% | 73.3% |
| Q3 2024 | 63 | $125.0M | 13.92% | 2.28% | 0.79% | 76.4% |
| Q2 2024 | 64 | $125.8M | 13.55% | 2.06% | 0.78% | 74.6% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Indiana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Federal Savings Bank of AngolaBank Angola, IN | 86 out of 100, Very strong | $137.3M | 23.3% | 0.00% | vs |
| CentreBankBank Veedersburg, IN | 90 out of 100, Very strong | $120.0M | 17.2% | 0.33% | vs |
| Farmers and Mechanics Federal Savings BankBank Bloomfield, IN | 54 out of 100, Below average | $113.6M | 6.8% | 0.00% | vs |
| First Federal Savings and Loan Association of GreensburgBank Greensburg, IN | 66 out of 100, Moderate | $159.5M | 12.3% | 1.18% | vs |
| Community State BankBank Brook, IN | 61 out of 100, Moderate | $161.2M | 9.4% | 0.44% | vs |
| First State Bank of PorterBank Porter, IN | 90 out of 100, Very strong | $162.3M | 16.8% | 0.00% | vs |
Deposit insurance
Is my money safe at Spencer County Bank?
Yes. Spencer County Bank is an FDIC-insured institution (FDIC certificate #5786). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 25.1% of deposits ($28.1M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 14.57%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
5 locations
Branches
Spencer County Bank lists 5 offices in 5 cities. Most locations:
- Dale, IN (1)
- Grandview, IN (1)
- Richland, IN (1)
- Saint Meinrad, IN (1)
- Santa Claus, IN (1)
Identity & history
Profile
- Legal name
- Spencer County Bank
- Former names
- The Lake State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 5786
- RSSD ID
- 871648
- Primary regulator
- FDIC
- Established
- August 19, 1927
- Headquarters
- 55 N L J Koch Blvd, Santa Claus, IN 47579
- Website
- www.spencercountybank.com
- Employees
- 43
Quick answers
Spencer County Bank: common questions
Is Spencer County Bank FDIC insured?
Yes. Spencer County Bank is an FDIC-insured institution (FDIC certificate #5786). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Spencer County Bank's TellerScore?
58 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Spencer County Bank ever failed?
There is no failure record for FDIC certificate #5786 in the FDIC failed bank list.
How many branches does Spencer County Bank have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Santa Claus
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Freedom BankBank Huntingburg, IN | 82 out of 100, Strong | $585.7M | 12.6% | 0.23% | vs |
| Springs Valley Bank & Trust CompanyBank French Lick, IN | 81 out of 100, Strong | $675.3M | 12.5% | 0.14% | vs |
| Heritage Federal Credit UnionCredit union Newburgh, IN | 77 out of 100, Strong | $1.0B | 12.3% | 0.33% | vs |
| German American BankBank Jasper, IN | 75 out of 100, Strong | $8.4B | 11.2% | 0.45% | vs |
| Labor Management Federal Credit UnionCredit union Lewisport, KY | 70 out of 100, Strong | $28.4M | 14.8% | 1.88% | vs |
| Independence Bank of KentuckyBank Owensboro, KY | 69 out of 100, Moderate | $3.8B | 9.4% | 0.12% | vs |