Call reports 2026
SPENCER COUNTY BANK — 2026
What SPENCER COUNTY BANK reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 131,393,000 | 131,170,000 |
| Total loans | 79,008,000 | 78,741,000 |
| Allowance for loan losses | 617,000 | 650,000 |
| Securities available for sale | 29,281,000 | 30,328,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 112,217,000 | 111,649,000 |
| Interest-bearing deposits | 85,753,000 | 83,648,000 |
| Noninterest-bearing deposits | 26,464,000 | 28,001,000 |
| Equity capital | 18,463,000 | 18,722,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 1,570,000 | 3,171,000 |
| Interest expense | 416,000 | 824,000 |
| Net interest income | 1,154,000 | 2,347,000 |
| Noninterest income | 186,000 | 353,000 |
| Noninterest expense | 972,000 | 1,997,000 |
| Provision for loan losses | 30,000 | 60,000 |
| Pretax income | 338,000 | 643,000 |
| Income tax | 66,000 | 127,000 |
| Net income | 272,000 | 516,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 19,042,000 | 19,286,000 |