Side-by-side · Q2 2026 data
Spencer County Bank vs German American Bank
Metric by metric
| Measure | Spencer County Bank | German American Bank |
|---|---|---|
| TellerScore | 58 | 75 (stronger) |
| Capital cushion | 96 (stronger) | 62 |
| Loan quality | 0 | 85 (stronger) |
| Earnings | 51 | 91 (stronger) |
| Funding & liquidity | 79 (stronger) | 46 |
| Problem-loan coverage | 75 | 96 (stronger) |
| Peer percentile | 16th | 77th |
| Total assets | $131.2M | $8.4B |
| Deposits / shares | $111.6M | $7.1B |
| Capital ratio | 14.57% (stronger) | 11.19% |
| Problem loans | 3.00% | 0.45% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.06% |
| Return on assets | 0.79% | 1.76% (stronger) |
| Loans ÷ deposits | 69.9% (stronger) | 83.0% |
| Uninsured deposits | 25.1% (stronger) | 42.8% |
| Offices | 5 | 89 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 17.2% |
German American Bank has the higher TellerScore (75 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Spencer County Bank leads on 4 and German American Bank on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.