Side-by-side · Q2 2026 data
Spencer County Bank vs Farmers and Mechanics Federal Savings Bank
Bank
Farmers and Mechanics Federal Savings Bank
Bloomfield, Indiana · $100 million – $1 billion
Metric by metric
| Measure | Spencer County Bank | Farmers and Mechanics Federal Savings Bank |
|---|---|---|
| TellerScore | 58 (stronger) | 54 |
| Capital cushion | 96 (stronger) | 18 |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 51 (stronger) | 10 |
| Funding & liquidity | 79 | 99 (stronger) |
| Problem-loan coverage | 75 (stronger) | 69 |
| Peer percentile | 16th | 10th |
| Total assets | $131.2M | $113.6M |
| Deposits / shares | $111.6M | $105.8M |
| Capital ratio | 14.57% (stronger) | 6.79% |
| Problem loans | 3.00% | 0.00% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.23% |
| Return on assets | 0.79% (stronger) | -0.25% |
| Loans ÷ deposits | 69.9% | 61.0% (stronger) |
| Uninsured deposits | 25.1% | 12.5% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.8% |
Spencer County Bank has the higher TellerScore (58 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Spencer County Bank leads on 4 and Farmers and Mechanics Federal Savings Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.