BlastPoint's Banking Scorecard
Spencer County Bank
Santa Claus, IN
5 branches across IN
Spencer County Bank faces 6 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 45.1% in tier
- - Delinquency Rate 2.57% above tier average
- - Nonperforming Asset Ratio 1.47% above tier average
- - ROA 0.44% below tier average
- - Net Interest Margin 0.11% below tier average
- - Efficiency Ratio 7.25% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$131.4M
+1.9% YoY
+0.4% QoQ
|
-$254.7M |
$386.1M
+0.5% YoY
|
$2.5B
+12.1% YoY
|
$6.2B
+9.1% YoY
|
Bottom 8.9% in tier |
| Total Loans ? |
$78.4M
-1.0% YoY
-0.7% QoQ
|
-$177.3M |
$255.7M
+1.1% YoY
|
$1.7B
+14.1% YoY
|
$3.2B
+10.8% YoY
|
Bottom 10.5% in tier |
| Total Deposits ? |
$112.2M
+1.0% YoY
+0.2% QoQ
|
-$215.8M |
$328.0M
+0.1% YoY
|
$2.0B
+11.8% YoY
|
$4.8B
+8.2% YoY
|
Bottom 9.5% in tier |
| Return on Assets ? |
0.83%
+10.8% YoY
+20.1% QoQ
|
-0.44% |
1.27%
+12.9% YoY
|
0.81%
-6.6% YoY
|
1.23%
+13.4% YoY
|
28% |
| Net Interest Margin ? |
3.82%
+1.6% YoY
-1.3% QoQ
|
-0.11% |
3.93%
+6.0% YoY
|
3.60%
+8.5% YoY
|
3.89%
+5.7% YoY
|
48% |
| Efficiency Ratio ? |
72.54%
-3.0% YoY
-4.6% QoQ
|
+7.25% |
65.29%
-4.5% YoY
|
105.71%
+27.0% YoY
|
66.95%
-4.1% YoY
|
27% |
| Delinquency Rate ? |
3.46%
+20.6% YoY
+21.0% QoQ
|
+2.57% |
0.89%
+18.8% YoY
|
0.90%
+15.9% YoY
|
0.95%
+18.8% YoY
|
Bottom 4.6% in tier |
| Loan-to-Deposit Ratio ? |
69.86%
-2.0% YoY
-0.9% QoQ
|
-6.78% |
76.64%
+0.8% YoY
|
81.10%
+0.7% YoY
|
76.70%
+0.9% YoY
|
67% |
| Non-Interest-Bearing Deposit Share ? |
23.58%
-9.6% YoY
+0.1% QoQ
|
+1.56% |
22.02%
-1.0% YoY
|
17.15%
-0.9% YoY
|
22.01%
-1.2% YoY
|
61% |
| Nonperforming Asset Ratio ? |
2.10%
+16.4% YoY
+19.1% QoQ
|
+1.47% |
0.64%
+19.7% YoY
|
0.67%
+21.6% YoY
|
0.67%
+19.3% YoY
|
Bottom 6.1% in tier |
| Tier 1 Capital Ratio ? |
14.45%
+2.6% YoY
+1.8% QoQ
|
-1.38% |
15.83%
+1.5% YoY
|
16.04%
+1.8% YoY
|
17.06%
+0.8% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.14%
+11.3% YoY
-72.2% QoQ
|
-0.14% |
0.28%
+9.3% YoY
|
0.79%
-14.5% YoY
|
0.32%
+4.1% YoY
|
71% |
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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 (0)
Concerns (1)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.