Spencer County Bank
IDRSSD: 871648
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Growth
Quarter-over-quarter, year-over-year, and 3-year compound growth for 22 headline metrics. As of 2025-12-31.
Growth heatmap
| ALLL / Loans (LNATRESR) | 0.75 | +2.25% | +4.06% | — |
|---|---|---|---|---|
| Brokered Deposits (BRO) | 0.00 | — | — | — |
| Commercial & Industrial (LNCI) | 5.73M | -7.99% | -20.54% | — |
| Construction & Land Dev (LNRECONS) | 3.78M | +5.14% | +35.30% | — |
| Consumer (Other) (LNCONOTH) | 1.86M | +2.93% | -18.50% | — |
| CRE (Nonfarm Nonresidential) (LNRENRES) | 5.90M | +2.61% | +0.79% | — |
| Efficiency Ratio (EEFFQR) | 85.81 | +18.93% | +11.27% | — |
| Equity / Assets (EQR) | 13.96 | +1.87% | +5.34% | — |
| Estimated Uninsured Deposits (Domestic) (EDEPDOM) | 1.68M | +34.35% | +6.40% | — |
| Multifamily RE (LNREMULT) | 0.00 | — | — | — |
| Net Charge-Offs / Loans (Ann.) (NTLNLSQR) | 0.04 | -33.33% | +300.00% | — |
| Net Interest Margin (Quarterly) (NIMYQ) | 3.84 | -1.79% | +3.23% | — |
| Noncurrent / Loans (NCLNLSR) | 2.84 | +22.16% | +14.55% | — |
| Return on Assets (Quarterly) (ROAQ) | 0.44 | -44.30% | -39.73% | — |
| Return on Assets (YTD) (ROA) | 0.68 | -10.96% | -11.56% | — |
| Return on Equity (Quarterly) (ROEQ) | 3.20 | -44.92% | -41.39% | — |
| Tier 1 Capital (RBCT1J) | 18.77M | +0.53% | +4.74% | — |
| Total Assets (ASSET) | 130.89M | -0.53% | +3.56% | — |
| Total Deposits (DEP) | 111.98M | -0.78% | +2.60% | — |
| Total Loans (Net) (LNLSNET) | 78.96M | -1.21% | -1.26% | — |
| Total Risk-Based Capital Ratio (RBCRWAJ) | 0.00 | — | — | — |
| Total Securities (SC) | 30.58M | +4.35% | +9.53% | — |
Methodology
- Source
- FDIC precomputed ratios / aggregates in
CallReport_FdicData. - QoQ
- Compares the latest quarter to the prior quarter.
- YoY
- Compares the latest quarter to four quarters prior.
- 3Y CAGR
- Compound annual growth rate over twelve quarters.
- Reading the table
- Dollar figures (assets, deposits, loans) are in thousands unless a multiplier is shown. Green cells = growth, red = contraction. — means insufficient history or a zero denominator.
Generated: 2026-04-27 02:40:32 UTC