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Overview / Commentary
279 East Morgan Street
Spencer, IN 47460

Our Community Bank is headquartered in Spencer and is the 100th largest bank in the state of Indiana. It is also the 4,787th largest bank in the nation. It was established in 1911 and as of December of 2017, 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 - YTD0.57%
Return on Equity - YTD4.72%
Annual Interest Income$3.1MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$69.7MM$64.6MM
LoansQ4 2017vs Q4 2016$50.1MM$44.6MM
DepositsQ4 2017vs Q4 2016$51.2MM$45.9MM
Equity CapitalQ4 2017vs Q4 2016$8.4MM$8.1MM
Loan Loss AllowanceQ4 2017vs Q4 2016$461.00K$448.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$1.0MM$502.00K
Real Estate OwnedQ4 2017vs Q4 2016$93.00K$247.00K
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Our Community Bank CD Rates

2.07%$500-37 Month CD
1.91%$500-25 Month CD
1.76%$500-13 Month CD
1.46%$500-60 Month CD
1.31%$500-48 Month CD
1.11%$500-36 Month CD
0.90%$500-30 Month CD
0.85%$500-24 Month CD
0.75%$500-18 Month CD
0.70%$500-12 Month CD
0.35%$500-6 Month CD
0.30%$500-3 Month CD

Our Community Bank IRA Rates

2.07%$500-37 Month IRA
1.91%$500-25 Month IRA
1.76%$500-13 Month IRA
1.46%$500-60 Month IRA
1.31%$500-48 Month IRA
1.11%$500-36 Month IRA
0.90%$500-30 Month IRA
0.85%$500-24 Month IRA
0.75%$500-18 Month IRA
0.70%$500-12 Month IRA
0.35%$500-6 Month IRA
0.30%$500-3 Month IRA

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