Banks in Spencer, OH

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: 1 institution operates 1 location in Spencer, according to the FDIC. 1 of them has coordinates on record and is 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: Civista Bank is the only bank with an office in Spencer. Open any bank to see each address, today's hours where the bank publishes them and the phone number.

Civista Bank 1 branch · main office Sandusky, OH Bank · 1

Civista Bank has 1 branch in Spencer, 34 across Ohio and 42 nationwide. FDIC records list its main office in Sandusky, OH and show it operating since 1884. With $4.29 billion in total assets on June 30, 2026, it ranks No. 322 of 4,232 U.S. banks by total assets. The Farmers Savings Branch at 111 W Main St dates to 2025 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Farmers Savings Branch

  111 W Main St, 44275

  Hours: see the bank's site
  DirectionsWebsite

Civista Bank: profile, branches and contacts

Banking in Spencer: the local picture

Short answer: 1 bank runs 1 branch 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.

Civista Bank has its main office in Sandusky, OH, according to the FDIC.

The bank with the longest record here is Civista Bank, operating since 1884 according to the FDIC.

The one location here does not publish 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 Medina, 14 mi), Wells Fargo, Bank of America (nearest in Brunswick, 19 mi), PNC Bank (nearest in Medina, 16 mi), U.S. Bank (nearest in Medina, 16 mi), Truist (nearest in Blue Ash, 176 mi), Fifth Third Bank (nearest in Wellington, 7 mi), Huntington (nearest in Lodi, 7 mi), Regions Bank, TD Bank, BMO.

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 Ohio.

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 Wellington (7 miles) and Lodi (8 miles). Medina, 15 miles away, has the most banks nearby: 12.

Bank branch openings and closings in Spencer

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

Short answer: FDIC branch records show 1 branch opening in Spencer between September 5, 2025 and September 5, 2026.

Effective dates as recorded in FDIC BankFind branch history. Closings and relocations are not tracked by the sources this page uses yet. Credit union offices are not included; the NCUA does not publish opening dates.

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: Civista Bank is the largest bank with offices in Spencer, with $4.29 billion in total assets on June 30, 2026, No. 322 among U.S. banks by total assets. 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.