BlastPoint's Banking Scorecard

Spencer County Bank

$100M-$1B Specialty: Mortgage IN FDIC cert 5786

Santa Claus, IN

5 branches across IN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 60 in IN.
Deposits -0.8% year over year ($111.6M on the books).
Delinquency rate 3.02%.
Return on assets 0.79%.
Efficiency ratio 73.96% vs a 64.48% peer average.
Loan-to-deposit ratio 69.94% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 60 in IN

View $100M-$1B leaderboard (IN) →

Spencer County Bank faces 6 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 23.8% in tier
- Delinquency Rate 2.10% above tier average
- Nonperforming Asset Ratio 1.17% above tier average
- ROA 0.54% below tier average
- Net Interest Margin 0.10% below tier average
- Efficiency Ratio 9.48% above tier average

Get updates when Spencer County Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Total Assets ?	$131.2M +0.3% YoY -0.2% QoQ	-$255.4M	$386.6M +1.2% YoY	$2.5B +3.7% YoY	$6.3B +7.7% YoY	Bottom 8.4% in tier
Total Loans ?	$78.1M -1.9% YoY -0.4% QoQ	-$180.3M	$258.3M +1.7% YoY	$1.8B +5.7% YoY	$3.2B +9.4% YoY	Bottom 9.6% in tier
Total Deposits ?	$111.6M -0.8% YoY -0.5% QoQ	-$215.1M	$326.7M +0.7% YoY	$2.0B +3.4% YoY	$4.9B +7.3% YoY	Bottom 9.2% in tier
Return on Assets ?	0.79% +2.9% YoY -5.2% QoQ	-0.54%	1.32% +10.8% YoY	1.07% +3.3% YoY	1.30% +12.1% YoY	23%
Net Interest Margin ?	3.88% +0.9% YoY +1.6% QoQ	-0.10%	3.99% +5.0% YoY	3.70% +8.1% YoY	3.95% +4.9% YoY	47%
Efficiency Ratio ?	73.96% +0.9% YoY +2.0% QoQ	+9.48%	64.48% -3.2% YoY	77.20% +13.2% YoY	70.05% +2.5% YoY	22%
Delinquency Rate ?	3.02% +67.2% YoY -12.6% QoQ	+2.10%	0.92% +15.7% YoY	0.91% +27.8% YoY	0.98% +16.3% YoY	Bottom 6.2% in tier
Loan-to-Deposit Ratio ?	69.94% -1.1% YoY +0.1% QoQ	-8.01%	77.95% +1.0% YoY	81.91% +1.2% YoY	79.03% +2.3% YoY	70%
Non-Interest-Bearing Deposit Share ?	25.08% -0.9% YoY +6.3% QoQ	+3.05%	22.03% -0.6% YoY	16.57% -2.9% YoY	21.98% -0.6% YoY	66%
Nonperforming Asset Ratio ?	1.84% +60.7% YoY -12.5% QoQ	+1.17%	0.67% +16.4% YoY	0.69% +42.1% YoY	0.69% +15.8% YoY	Bottom 8.7% in tier
Tier 1 Capital Ratio ?	14.57% +3.4% YoY +0.8% QoQ	-1.34%	15.91% +1.4% YoY	16.20% +1.2% YoY	17.09% +0.8% YoY	62%
Non-Interest Income / Assets ?	0.27% +3.5% YoY +90.1% QoQ	-0.30%	0.57% +7.6% YoY	1.78% -1.3% YoY	0.66% +5.2% YoY	67%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Noninterest-Bearing	25.1% -0.2pp YoY +1.5pp QoQ	+2.9pp	22.1%	16.8%	22.2%	66%
Brokered Deposits	n/a	n/a	7.9%	7.2%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
C&I	7.2% -1.2pp YoY -0.2pp QoQ	-4.4pp	11.6%	11.1%	12.5%	34%
CRE	n/a	n/a	39.5%	36.2%	41.4%	n/a
1-4 Family	69.9% +3.1pp YoY +0.8pp QoQ	+37.3pp	32.6%	40.0%	31.3%	94%
Consumer	6.4% -1.4pp YoY -0.3pp QoQ	+2.3pp	4.1%	3.2%	5.0%	84%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	17.5%	19.7%	n/a
Leverage Ratio	14.6% +0.5pp YoY +0.1pp QoQ	+2.4pp	12.2%	13.0%	12.6%	84%
Total Capital Ratio	n/a	n/a	19.9%	18.7%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Full-Time Employees	43 0 YoY 0 QoQ	-16	58	237	482	45%
Assets per Employee ($)	$3.1M +0.3% YoY -0.2% QoQ	-$4.5M	$7.5M	$7.5M	$8.8M	2%
Branch Count	5 0 YoY 0 QoQ	0	4	17	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Past Due 90+ Days	0.9% +0.3pp YoY -0.9pp QoQ	+0.6pp	0.3%	0.2%	0.4%	90%
Nonaccrual	2.2% +0.9pp YoY +0.4pp QoQ	+1.2pp	0.9%	0.8%	1.0%	89%
Allowance Coverage	0.28x -23.0% YoY +21.0% QoQ	-23.88x	24.15x	6.71x	20.23x	3%
Net Charge-off Rate (YTD)	0.0% -0.4pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	42%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
ROE	5.6% -0.1pp YoY -0.3pp QoQ	-6.6pp	12.2%	11.2%	11.6%	15%
Cost of Funds (YTD)	1.4% 0.0pp YoY 0.0pp QoQ	-0.4pp	1.7%	1.8%	1.7%	28%
Net Income ($, YTD)	$516,000 +4.9% YoY — QoQ	-$2.0M	$2.6M	$16.3M	$40.4M	11%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Flatlined Growth

risk

#127 of 529 • Bottom 23.8% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.79%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (7 metrics)

2471

Delinquency Rate

credit_quality

Value: 3.02%

Peer Median: 0.92%

#2471 of 2633 Bottom 6.2% in $100M-$1B

2421

Total Assets

size

Value: $131.17M

Peer Median: $386.57M

#2421 of 2643 Bottom 8.4% in $100M-$1B

2415

Nonperforming Asset Ratio

credit_quality

Value: 1.84%

Peer Median: 0.67%

#2415 of 2643 Bottom 8.7% in $100M-$1B

2402

Total Deposits

size

Value: $111.65M

Peer Median: $326.73M

#2402 of 2643 Bottom 9.2% in $100M-$1B

2391

Total Loans

size

Value: $78.09M

Peer Median: $258.35M

#2391 of 2643 Bottom 9.6% in $100M-$1B

2062

Efficiency Ratio

profitability

Value: 73.96%

Peer Median: 64.48%

#2062 of 2643 Bottom 22.0% in $100M-$1B

2043

Return on Assets

profitability

Value: 0.79%

Peer Median: 1.32%

#2043 of 2643 Bottom 22.7% in $100M-$1B