Spencer County Bank
Santa Claus, IN
IDRSSD: 871648
Total Assets
$131.59M
Latest filing
Total Deposits
$112.86M
Latest filing
Net Interest Margin
3.91%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Spencer County Bank
55 N L J Koch Blvd
Santa Claus, IN 47579
Full Service - Brick and Mortar
Updated 11/14/2025Established 08/19/1927FDIC Certificate 3947
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Spencer County Bank (Main) | 55 N L J Koch Blvd | Santa Claus, IN |
| RICHLAND BRANCH | 3780 N State Road 161 | Richland, IN |
| ST. MEINRAD BRANCH | 2 Mill Street | Saint Meinrad, IN |
| DALE BRANCH | 10 N Washington St | Dale, IN |
| GRANDVIEW BRANCH | 322 Main St | Grandview, IN |
Showing 4 of 4
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 08/19/1927 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 47579 |
| State and County Number | 18147 |
| Subchapter S Corporations | No |
| Trust Powers | Trust Powers Grandfathered |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 43 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.spencercountybank.com |
| Data Updated | 11/14/2025 |
| CERT | 5786 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $131.59M |
| Total Deposits | $112.86M |
| Total Liabilities | $113.56M |
| Total Equity Capital | $18.03M |
| Net Income | $259.00k |
| Net Loans and Leases | $79.93M |
| Assets Per Employee ($Millions) | $3.06M |
| Bank Premises and Fixed Assets | $1.14M |
| Cash and Balances due from Depository Institutions | $13.33M |
| Deposits Held in Domestic Offices | $112.86M |
Key Performance Ratios
| Return on Assets (ROA) | 0.79% |
| Return on Equity (ROE) | 5.81% |
| Net Interest Margin | 3.91% |
| Efficiency Ratio | 72.15% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.26% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.7% |
| Earning Assets to total Assets | 91.51% |
Income and Expense
| Total Interest Income | $1.60M |
| Total Noninterest Income | $189.00k |
| Total Interest Expense | $424.00k |
| Total Noninterest Expense | $987.00k |
| Net Interest Income | $1.18M |
| Pre-tax Net Operating Income | $296.00k |
| Provision for Credit Losses | $85.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $55.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $589.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $704.00k |
| Total Liabilities and Capital | $131.59M |
Securities
| Securities | $29.30M |
| Available-for-sale debt securities | $29.24M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Spencer County Bank?
$131.59M as of the latest filing.
How much are Spencer County Bank's total deposits?
$112.86M in total deposits.
Where is Spencer County Bank located?
Santa Claus, IN.
What is the Net Interest Margin?
3.91%.
How many domestic offices does it operate?
5.
When was it established?
08/19/1927.
What is the Return on Assets (ROA)?
0.79%.
How much are total loans and leases?
$79.93M (latest filing).
What is the total interest income (latest filing)?
$1.60M.