Overview / Commentary
279 East Morgan Street
Spencer, IN 47460

Our Community Bank is headquartered in Spencer and is the 96th largest bank in the state of Indiana. It is also the 4,578th largest bank in the nation. It was established in 1911 and as of September of 2018, it had grown to 20 employees at 2 locations. Our Community Bank has a B health rating.


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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

FDIC Certificate #27955
Year Established1911
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.16%
Return on Equity - YTD1.39%
Annual Interest Income$2.4MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$73.3MM$68.9MM
LoansQ3 2018vs Q3 2017$51.3MM$48.8MM
DepositsQ3 2018vs Q3 2017$53.4MM$50.3MM
Equity CapitalQ3 2018vs Q3 2017$8.1MM$8.4MM
Loan Loss AllowanceQ3 2018vs Q3 2017$509.00K$483.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$1.3MM$917.00K
Real Estate OwnedQ3 2018vs Q3 2017$1,000$32.00K
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Our Community Bank CD Rates

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

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

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

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