BlastPoint's Banking Scorecard
Spencer County Bank
Micro
Specialty: Mortgage
IN
FDIC cert 5786
Designations: ✓ Community bank
Santa Claus, IN
2498
banks in Micro tier nationally
49 in IN
View Micro leaderboard (IN) →
Spencer County Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.22% above tier
- - Nonperforming Asset Ratio 1.31% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$130.9M
+3.6% YoY
-0.5% QoQ
|
-$86.6M |
$217.5M
+2.3% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
32% |
| Total Loans ? |
$79.0M
-1.3% YoY
-1.2% QoQ
|
-$60.2M |
$139.2M
+2.8% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
33% |
| Total Deposits ? |
$112.0M
+2.6% YoY
-0.8% QoQ
|
-$71.7M |
$183.7M
+1.8% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
33% |
| Return on Assets ? |
0.69%
-10.5% YoY
-10.7% QoQ
|
-0.39% |
1.08%
+14.7% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
27% |
| Net Interest Margin ? |
3.87%
+3.0% YoY
-0.2% QoQ
|
+0.02% |
3.85%
+6.6% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
54% |
| Efficiency Ratio ? |
76.05%
+1.0% YoY
+4.3% QoQ
|
+8.32% |
67.73%
-4.8% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
27% |
| Delinquency Rate ? |
2.86%
+14.6% YoY
+22.2% QoQ
|
+2.22% |
0.64%
+24.4% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 8% in tier |
| Loan-to-Deposit Ratio ? |
70.51%
-3.8% YoY
-0.4% QoQ
|
-4.02% |
74.53%
+0.5% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
23.56%
-7.9% YoY
-3.5% QoQ
|
+1.17% |
22.39%
-1.3% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
58% |
| Nonperforming Asset Ratio ? |
1.77%
+8.6% YoY
+20.7% QoQ
|
+1.31% |
0.45%
+25.1% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
Bottom 9% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.51%
-12.6% YoY
+26.6% QoQ
|
-0.05% |
0.56%
+0.3% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
70% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 8%
in Micro
Why this stands out
Current:
2.86%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
1.77%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
70
70th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.56%
61
61th pctile
Loan-to-Deposit Ratio
Current: 70.51% · Tier avg: 74.53%
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 23.56% · Tier avg: 22.39%
54
54th pctile
Net Interest Margin
Current: 3.87% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
33
33th pctile
Total Loans
Current: $79.0M · Tier avg: $139.2M
33
33th pctile
Total Deposits
Current: $112.0M · Tier avg: $183.7M
32
32th pctile
Total Assets
Current: $130.9M · Tier avg: $217.5M
27
27th pctile
Return on Assets
Current: 0.69% · Tier avg: 1.08%
27
27th pctile
Efficiency Ratio
Current: 76.05% · Tier avg: 67.73%
9
9th pctile
Nonperforming Asset Ratio
Current: 1.77% · Tier avg: 0.45%
8
8th pctile
Delinquency Rate
Current: 2.86% · Tier avg: 0.64%
Top Weaknesses
8
8th pctile
Delinquency Rate
Current: 2.86% · Tier avg: 0.64%
9
9th pctile
Nonperforming Asset Ratio
Current: 1.77% · Tier avg: 0.45%
27
27th pctile
Efficiency Ratio
Current: 76.05% · Tier avg: 67.73%
27
27th pctile
Return on Assets
Current: 0.69% · Tier avg: 1.08%
32
32th pctile
Total Assets
Current: $130.9M · Tier avg: $217.5M
33
33th pctile
Total Deposits
Current: $112.0M · Tier avg: $183.7M
33
33th pctile
Total Loans
Current: $79.0M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
54
54th pctile
Net Interest Margin
Current: 3.87% · Tier avg: 3.85%
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 23.56% · Tier avg: 22.39%
61
61th pctile
Loan-to-Deposit Ratio
Current: 70.51% · Tier avg: 74.53%
70
70th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.56%