Featured Savings Rates
Featured Accounts
Overview / Commentary
279 East Morgan Street
Spencer, IN 47460

Our Community Bank is headquartered in Spencer and is the 106th largest bank in the state of Indiana. It is also the 5,135th largest bank in the nation. It was established in 1911 and as of June of 2016, it had grown to 19 employees at 2 locations. Our Community Bank has a B+ health rating.


No reviews have been left for this bank yet. Be the first to review.

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 - YTD0.58%
Return on Equity - YTD4.65%
Annual Interest Income$1.6MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$64.0MM$64.6MM
LoansQ2 2016vs Q2 2015$43.9MM$45.3MM
DepositsQ2 2016vs Q2 2015$47.0MM$45.3MM
Equity CapitalQ2 2016vs Q2 2015$8.2MM$7.9MM
Loan Loss AllowanceQ2 2016vs Q2 2015$454.00K$526.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$692.00K$862.00K
Real Estate OwnedQ2 2016vs Q2 2015$255.00K$283.00K
Skip to rates for:
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not Our Community Bank; we are a rate comparison website and cannot provide official rates or promotions.

Our Community Bank CD Rates

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

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

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