🏦Bank Scorer

This institution is no longer active

Operations ceased on December 31, 2021. CRA examination history below reflects the period it was active.

OUR COMMUNITY BANK

SPENCER, IN · Supervised by FDIC

Est. 1911FDIC #27,955RSSD: FDIC-27955
Part ofHOME FINANCIAL BCORP→ View all charters
Satisfactory Same

Current rating · Exam: February 2019

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.62%

Institution Profile

FDIC BankFind

Address

279 East Morgan Street, SPENCER, IN

County

Owen County

Established

January 1, 1911

Total Assets

$74M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 1, 2019

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 7 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q2 2021Call Report / FDIC

Total Assets

$74M

Total Deposits

$59M

Net Loans

$45M

Net Income

$227K

ROA

0.62%

ROE

5.87%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate20.83%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20207263.89%20.83%
20197562.67%24.00%
201812259.84%21.31%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 1995

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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