Spencer County Bank quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $131M | $112M | $78M | $18M | $272K | 0.83% | 5.92% | 3.82% | 3.43% |
| Q4 2025 | $131M | $112M | $79M | $18M | $145K | 0.69% | 5.10% | 3.87% | 2.84% |
| Q3 2025 | $132M | $113M | $80M | $18M | $259K | 0.77% | 5.75% | 3.88% | 2.32% |
| Q2 2025 | $131M | $113M | $80M | $18M | $253K | 0.76% | 5.72% | 3.85% | 1.80% |
| Q1 2025 | $129M | $111M | $79M | $17M | $239K | 0.75% | 5.63% | 3.76% | 2.85% |
| Q4 2024 | $126M | $109M | $80M | $17M | $229K | 0.77% | 6.02% | 3.76% | 2.48% |
| Q3 2024 | $125M | $107M | $82M | $17M | $252K | 0.79% | 6.19% | 3.77% | 2.28% |
| Q2 2024 | $126M | $109M | $81M | $16M | $261K | 0.78% | 6.24% | 3.79% | 2.06% |
| Q1 2024 | $129M | $113M | $81M | $16M | $230K | 0.73% | 5.90% | 3.68% | 0.88% |
| Q4 2023 | $123M | $107M | $82M | $15M | $233K | 1.08% | 9.19% | 3.84% | 0.79% |
| Q3 2023 | $125M | $109M | $82M | $15M | $310K | 1.18% | 10.28% | 3.85% | 0.89% |
| Q2 2023 | $126M | $111M | $82M | $15M | $280K | 1.28% | 11.21% | 3.76% | 1.08% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.