Featured Savings Rates
Featured Accounts

Our Community Bank

Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
1.25%5-year CD60 Month CD
0.25%1-year CD12 Month CD
1.05%4-year CD48 Month CD

Overview / Commentary
812-829-2095
279 East Morgan Street
Spencer, IN 47460

Our Community Bank is headquartered in Spencer and is the 103rd largest bank in the state of Indiana. It is also the 4,914th largest bank in the nation. It was established in 1911 and as of March of 2017, it had grown to 20 employees at 2 locations. Our Community Bank has a B+ health rating.

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Health
B+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Our Community Bank has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #27955
Year Established1911
Employees20
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.58%
Return on Equity - YTD4.78%
Annual Interest Income$779.00K
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$69.7MM$67.1MM
LoansQ1 2017vs Q1 2016$46.1MM$44.1MM
DepositsQ1 2017vs Q1 2016$53.2MM$50.2MM
Equity CapitalQ1 2017vs Q1 2016$8.3MM$8.1MM
Loan Loss AllowanceQ1 2017vs Q1 2016$467.00K$490.00K
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$504.00K$642.00K
Real Estate OwnedQ1 2017vs Q1 2016$145.00K$183.00K
Rates
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Our Community Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%$500-60 Month CD
1.05%$500-48 Month CD
0.50%$500-36 Month CD
0.45%$500-30 Month CD
0.40%$500-24 Month CD
0.30%$500-18 Month CD
0.25%$500-12 Month CD
0.15%$500-6 Month CD
0.10%$500-3 Month CD

Our Community Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%$500-60 Month IRA
1.05%$500-48 Month IRA
0.50%$500-36 Month IRA
0.45%$500-30 Month IRA
0.40%$500-24 Month IRA
0.30%$500-18 Month IRA
0.25%$500-12 Month IRA
0.15%$500-6 Month IRA
0.10%$500-3 Month IRA
Locations


Our Community Bank Locations
Cloverdale Branch102 South Main StreetCloverdale, IN 46120
Our Community Bank279 East Morgan StreetSpencer, IN 47460