Our Community Bank


Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
1.61%5-year CD60 Month CD
0.80%1-year CD12 Month CD
1.41%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 97th largest bank in the state of Indiana. It is also the 4,631st largest bank in the nation. It was established in 1911 and as of June of 2018, it had grown to 21 employees at 2 locations. Our Community Bank has a B health rating.

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Health
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
Employees21
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.07%
Return on Equity - YTD0.63%
Annual Interest Income$1.6MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$72.9MM$69.0MM
LoansQ2 2018vs Q2 2017$51.9MM$47.2MM
DepositsQ2 2018vs Q2 2017$50.4MM$50.4MM
Equity CapitalQ2 2018vs Q2 2017$8.2MM$8.4MM
Loan Loss AllowanceQ2 2018vs Q2 2017$484.00K$469.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$1.3MM$695.00K
Real Estate OwnedQ2 2018vs Q2 2017$53.00K$102.00K
Rates
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Our Community Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.77%$500-37 Month CD
1.61%$500-60 Month CD
1.41%$500-48 Month CD
1.11%$500-36 Month CD
0.95%$500-30 Month CD
0.90%$500-18 Month CD
0.90%$500-24 Month CD
0.80%$500-12 Month CD
0.40%$500-6 Month CD
0.35%$500-3 Month CD

Our Community Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.77%$500-37 Month IRA
1.61%$500-60 Month IRA
1.41%$500-48 Month IRA
1.11%$500-36 Month IRA
0.95%$500-30 Month IRA
0.90%$500-18 Month IRA
0.90%$500-24 Month IRA
0.80%$500-12 Month IRA
0.40%$500-6 Month IRA
0.35%$500-3 Month IRA
Locations


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

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