# SPENCER COUNTY BANK
SANTA CLAUS, IN · FDIC certificate 5786 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $131.2M | |
| Deposits | $111.6M | |
| Loans and leases | $78.7M | |
| Total equity | $18.7M | |
| Loans / deposits | 69.94% (p44 of band) | 73.59% |
| Liquid assets / assets | 34.30% (p54 of band) | |
| Uninsured deposits / deposits | 25.13% (p69 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.57% (p74 of band) | 11.76% |
| Unrealized securities loss / equity | -4.67% (p58 of band) | -6.57% |
| AOCI / equity | -0.33% (p53 of band) | |
| ROA (annualized) | 0.79% (p29 of band) | 1.17% |
| Net interest margin | 3.88% (p48 of band) | 3.93% |
| Efficiency ratio | 73.96% (p69 of band) | |
| Noncurrent loans | 3.00% (p92 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p60 of band) | |
| Reserve coverage of noncurrent | 27.53% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 11.56% (p41 of band) | |
| Auto loans | $2.9M (3.74% of loans; DQ 2.61%, NCO -0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.8% | |
| Employees | 43 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | charge-offs p90 |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 1 |  | uninsured deposits leaving |
| 2012-09 | 1 | capital falling | reserve under noncurrent |
| 2012-12 | 1 | uninsured deposits leaving | capital falling |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 2 | deposits shrinking, assets shrinking |  |
| 2014-12 | 0 |  | deposits shrinking, assets shrinking |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | deposits shrinking |  |
| 2015-09 | 0 |  | deposits shrinking |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2016-09 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 1 | reserve under noncurrent |  |
| 2017-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2017-12 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2018-03 | 1 | reserve under noncurrent |  |
| 2018-06 | 0 |  | reserve under noncurrent |
| 2018-09 | 0 |  |  |
| 2018-12 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2019-03 | 0 |  | reserve under noncurrent, uninsured deposits leaving |
| 2019-06 | 1 | reserve under noncurrent |  |
| 2019-09 | 2 | uninsured deposits leaving |  |
| 2019-12 | 1 |  | uninsured deposits leaving |
| 2020-03 | 3 | noncurrent p90, uninsured deposits leaving |  |
| 2020-06 | 2 |  | uninsured deposits leaving |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 | charge-offs p90 | noncurrent p90 |
| 2021-06 | 3 |  |  |
| 2021-09 | 5 | NIM <2.5%, noncurrent p90 |  |
| 2021-12 | 5 |  |  |
| 2022-03 | 2 |  | capital falling, charge-offs p90, noncurrent p90 |
| 2022-06 | 1 |  | NIM <2.5% |
| 2022-09 | 1 |  |  |
| 2022-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-03 | 4 |  |  |
| 2023-06 | 4 |  |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | noncurrent p90 |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | uninsured deposits leaving |  |
| 2025-06 | 2 | charge-offs p90 | noncurrent p90, uninsured deposits leaving |
| 2025-09 | 3 | capital falling |  |
| 2025-12 | 2 | noncurrent p90 | charge-offs p90, capital falling |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-01 [Merle J. Kendall, 96, Dale - Dubois County Free Press, Inc.](https://news.google.com/rss/articles/CBMiakFVX3lxTFBoczZEVUpJaWJ1T2ZOSm5LRGFqVFVpek9ub19LVm1TRTNHODY1RXRldklrTnlWdlNGVzk5S0drSEhMbmVaVHhqYXY0SjhvQ1RVU2lzUG9xSmdlcHFDNkpENmE0OHFibW1faGc?oc=5) · Dubois County Free Press, Inc.
- 2025-07-02 [James Geiser Obituary - Evansville, IN - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxNWU5Jd2RGWWFDMGNzYWpLVHVkcXNSYTFjTHlkR3RWZzZqckpXZnltNHZ2QzhBdDZzMU9UWFlkNF9TOEpYSVMtZ25vbzRJOEZpVXB1blk2d0QxZndWVlhybXRIQTJLSHlVS3RVRHdOQ0JjSE90RTd0VWVSdEhLX0hOcmlfM2Q?oc=5) · Dignity Memorial
- 2021-04-21 [Daniel Etienne Obituary - Courier & Press](https://news.google.com/rss/articles/CBMiXkFVX3lxTE9pM2hPUW55eUJZY2ZtUHMxX1hpRWV0SWliQUpfOUlXb0dKcDRneTNCRkNRTnBHakx0OG9nVUwzWUVuOTR3VWNpSWhBRmkxaTFUeXBRME1lR3hfTThkNVE?oc=5) · Courier &amp; Press
- 2026-08-24 [Virginia Ruth Weatherholt Obituary | Boultinghouse Funeral Home | Rockport, IN - Tribute Archive](https://news.google.com/rss/articles/CBMiggFBVV95cUxOcHIzMUFUeEpJc0xvQjdZbEZNNHUxRUIxbFJiOHB0T2Uxb3ZuV2pvdndzbWFGWlJXcXFjSE9VbklwQ0tVLUpENG1PQzRkMHVaS2lIY2NjTjNOUW5vSjNkLTloMWd4VG9SWUZjYzMweWNBTWtnbEhGS1RCV3UySnIzelln?oc=5) · Tribute Archive
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2011-02-20 [Ottis Schatz Obituary (1919 - 2011) - St. Meinrad, IN - Courier Press - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxOYXZiNDM2YXBBZHBsY2dvdHZCb3laNkJXSHRDdkdpSzB1N1U1anRwbDVNZHctb0hJc0dmeEw1OWx0cXZvQTZsZDhwcnY2YXFITC1uVTctSmRiTVRNcUZoS1NEZFJYeUh1T0JhRU4zbE5EbDRmVTBSTkJwZGxhWFd2WG9wR200bWFHempKVnBUOVk2Zw?oc=5) · legacy.com
- 2013-04-09 [Phil Koch, Lake Rudolph Campground and RV resort owner passes away - Dubois County Free Press, Inc.](https://news.google.com/rss/articles/CBMiogFBVV95cUxNa3p6WU02elJVRW1XcFFFSHFIalZqVE9fQ09wUFVOWTA0NHBMMy1nZzVOOVZUYk9FUkxjdjJrc2oxT015UFZFZUlKQUN0UHdfcVpLcUt5bnRucmlTOGZoTXJTWUZOZW5vbjQzZzFYWlU2SHJ3c1d1QmFrRDFaWExyb3pXcUxtUFRLbUVsZkFQRG1VRUFxdGwwRzZ6RUc3OGNfOHc?oc=5) · Dubois County Free Press, Inc.

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5786 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/26.json (key "5786", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide