Spencer County Bank is a bank based in Santa Claus, Indiana, established in 1927, with $131 million in total assets across 5 branches. By Trust Grade it ranks 39th of 89 banks we track in Indiana. Its capital ratio of 14.1% is stronger than 86% of similarly sized banks, versus a Indiana median of 9.6%. It was profitable over the most recent period, with a 0.83% return on assets. No consumer complaints against Spencer County Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Spencer County Bank compares to Indiana peers
How we graded Spencer County Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (14.1% capital ratio)
- Profitable (ROA 0.83%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Spencer County Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (5)
- 3780 N State Road 161, Richland, IN 47634
- 2 Mill Street, Saint Meinrad, IN 47577
- 10 N Washington St, Dale, IN 47523
- 55 N L J Koch Blvd, Santa Claus, IN 47579
- 322 Main St, Grandview, IN 47615
Are deposits at Spencer County Bank insured?
Yes. Spencer County Bank is an FDIC-insured bank (FDIC certificate #5786). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Spencer County Bank: frequently asked questions
Is Spencer County Bank a good bank?
Spencer County Bank earns a Bankzia Trust Grade of A (96/100, "Excellent"), based on a financial-strength score of 96/100 (it has no CFPB complaints on record). Strongly capitalized (14.1% capital ratio); Profitable (ROA 0.83%).
Is Spencer County Bank FDIC-insured?
Yes. Spencer County Bank is a FDIC-insured bank (FDIC certificate #5786). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Spencer County Bank?
Spencer County Bank holds $131 million in total assets, ranking 39th of 89 banks we track in Indiana. It operates 5 branches.
Does Spencer County Bank have CFPB complaints?
No CFPB complaints against Spencer County Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
