Banks in Spencer, NE

Bank branch map: Spencer

Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.

Short answer: 2 banks and credit unions operate 2 locations in Spencer, according to the FDIC. 2 of them have coordinates on record and are on the map. ATMs and opening hours are not in the sources this page uses yet; each marker links to directions.

Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.

All banks in Spencer

Sorted by number of local branches. Each branch shows where its hours and phone number come from.

Short answer: Nebraska Bank and The Tri-County Bank have the most locations in Spencer, with 1 each. 2 banks have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.

Nebraska Bank 1 branch · main office Dodge, NE Bank · 1

Nebraska Bank has 1 branch in Spencer, 10 across Nebraska and 10 nationwide. FDIC records list its main office in Dodge, NE and show it operating since 1889. With $551.6 million in total assets on June 30, 2026, it ranks No. 1,677 of 4,232 U.S. banks by total assets. The Spencer Branch at 101 N Thayer St dates to 1922 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Spencer Branch

  101 N Thayer St, 68777

  Hours: see the bank's site
  DirectionsWebsite

Nebraska Bank: profile, branches and contacts

The Tri-County Bank 1 branch · main office Stuart, NE Bank · 1

The Tri-County Bank has 1 branch in Spencer, 6 across Nebraska and 6 nationwide. FDIC records list its main office in Stuart, NE and show it operating since 1945. With $299.3 million in total assets on June 30, 2026, it ranks No. 2,482 of 4,232 U.S. banks by total assets. The 425 Hillcrest Boulevard Branch at 425 S Hillcrest Blvd dates to 2006 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• 425 Hillcrest Boulevard Branch

  425 S Hillcrest Blvd, 68777

  Hours: see the bank's site
  DirectionsWebsite

The Tri-County Bank: profile, branches and contacts

Banking in Spencer: the local picture

Short answer: 2 banks run 2 branches in Spencer according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.

Of the 2 banks, 0 have their main office in Spencer, 2 elsewhere in Nebraska, according to the FDIC.

The bank with the longest record here is Nebraska Bank, operating since 1889 according to the FDIC. In FDIC branch records, the longest-running branch is Nebraska Bank's office at 101 N Thayer St, dating to 1922; the newest is The Tri-County Bank's at 425 S Hillcrest Blvd, from 2006.

None of the 2 locations here publishes hours in the sources this page uses. Each branch links to the bank's own site.

Chase, Bank of America and other national banks

Which big national banks have branches in Spencer, and where the nearest one is if they do not.

Short answer: No branches in Spencer: Chase (nearest in Elkhorn, 168 mi), Wells Fargo (nearest in Norfolk, 88 mi), Bank of America (nearest in Omaha, 174 mi), PNC Bank, U.S. Bank (nearest in Norfolk, 87 mi), Truist, Fifth Third Bank, Huntington, Regions Bank, TD Bank, BMO (nearest in Norfolk, 87 mi).

Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Spencer to the nearest branch in Nebraska.

What your savings could earn

National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.

Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.

Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Spencer residents like anyone else.

Banks near Spencer

Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.

Short answer: The closest towns with more choice are Atkinson (27 miles) and Oneill (29 miles). Hartington, 75 miles away, has the most banks nearby: 5.

Bank branch openings and closings in Spencer

FDIC branch records, between September 5, 2025 and September 5, 2026.

Short answer: FDIC branch records show no bank branch openings in Spencer between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.

Largest banks in Spencer by total assets

Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Spencer offices.

Short answer: Nebraska Bank is the largest bank with offices in Spencer, with $551.6 million in total assets on June 30, 2026, No. 1,677 among U.S. banks by total assets. The Tri-County Bank is second with $299.3 million. Local deposit shares will follow once the FDIC Summary of Deposits is imported.

Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.

Banks in Spencer: FAQ

How we build this page

Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.