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Scottsburg Building and Loan Association

Scottsburg, IN · Cert 29910 · Scottsburg B&L MHC

SL · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

87

Q2 2024Q2 2026peer median (50)

Asset Quality

84

Q2 2024Q2 2026peer median (50)

Profitability

10

Q2 2024Q2 2026peer median (50)

Liquidity

90

Q2 2024Q2 2026peer median

Efficiency

29

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Scottsburg Building and Loan Association

Scottsburg, IN · Cert 29910 · Scottsburg B&L MHC

SL · FDIC · 1 branch

Q2 2026

$76.9MAssets
$47.3MLoans
$61.1MDeposits
$13.4MEquity
Loan mix
100%RE $47.5M0%C&I $0.0M0%Consumer $0.1MQ2 2025Q2 2026
Deposit mix
94%Interest-bearing $57.1M6%Noninterest $3.9MQ2 2025Q2 2026

NIM

3.57%Q2 ’243.76%Q2 ’253.92%Q2 ’26+7%+20%

Non-interest income vs. expense

1.93%Q2 ’241.87%Q2 ’251.90%Q2 ’26-3%+1%

Executive Summary

  • Earnings: ROA of 0.30%, down 7 bps year over year; NIM at 2.31%.
  • Asset quality: problem loans at 0.18% of loans (+5 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 18.85%, up 32 bps from a year ago.
  • Funding: loans stand at 77.46% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.30%-7 bps YoY

Net Interest Margin (YTD, annualized)

2.31%+39 bps YoY

Efficiency Ratio (YTD, annualized)

77.12%-1,333 bps YoY

Tier 1 Leverage Ratio

18.85%+32 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.37%10.49%0.46%0.16%0.30%-7 bps
Return on Equity2.31%3.00%2.77%0.93%1.75%-57 bps
Net Interest Margin1.92%1.98%2.06%2.31%2.31%+39 bps
Efficiency Ratio90.45%90.68%86.27%77.35%77.12%-1,333 bps
Non-Interest Burden1.72%1.78%1.75%1.75%1.74%+2 bps
Growth
Asset Growth (YoY)0.29%-0.56%-1.42%2.41%-0.33%-63 bps
Loan Growth (YoY)2.14%3.92%6.41%4.50%5.85%+371 bps
Deposit Growth (YoY)5.71%6.53%5.48%4.65%0.37%-533 bps
Asset Quality
Nonperforming Loans / Loans0.13%0.38%0.14%0.05%0.18%+5 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.68%0.65%0.63%0.62%0.63%-6 bps
Allowance Coverage of NPLs5.4x1.7x4.6x12.9x3.5x-1.8x
Capital
Tier 1 Leverage Ratio18.53%18.72%18.82%18.75%18.85%+32 bps
Total Risk-Based Capital41.12%41.24%41.25%40.93%41.15%+4 bps
Equity / Assets16.42%17.23%17.50%17.21%17.45%+103 bps
Liquidity & Funding
Loans / Deposits73.45%75.52%76.90%77.43%77.46%+401 bps
Liquid Assets / Assets4.74%3.45%2.10%4.24%5.96%+122 bps
CRE / Total Capitaln/a17.96%21.50%21.89%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it. 1 One-time gains made up most of net income in the marked periods.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Scottsburg Building and Loan Association

Scottsburg, IN · Cert 29910 · Peer group: banks under $1B in assets (n=581-629) · Scottsburg B&L MHC

SL · FDIC · 1 branch

Q2 2026

$76.9MAssets
$47.3MLoans
$61.1MDeposits
$13.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: net interest margin trails 93% of banks under $1B in assets (rank 586 of 629).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.30%

Rank 545 of 629

Net Interest Margin

2.31%

Rank 586 of 629

Efficiency Ratio

77.12%

Rank 449 of 629

Equity / Assets

17.45%

Rank 99 of 629

Non-interest income vs. expense

$0.1M$1.5MINCOMEEXPENSE
Unfavorable gap of $1.4M · efficiency ratio beats 29% of banks under $1B in assets
Bank 77.12%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.30%0.60%1.01%1.45%Beats 13%545 / 629
Return on Equity1.74%5.38%9.30%13.28%Beats 11%558 / 629
Net Interest Margin2.31%3.03%3.54%4.05%Beats 7%586 / 629
Efficiency Ratio77.12%58.35%67.79%79.08%Beats 29%449 / 629
Asset Quality
Nonperforming Loans / Loans0.18%0.09%0.46%1.20%Beats 67%195 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio40.33%11.24%13.84%18.77%Beats 89%67 / 629
Total Risk-Based Capital Ratio41.15%11.58%14.43%19.66%Beats 89%67 / 629
Equity / Assets17.45%9.09%10.65%13.80%Beats 84%99 / 629
Liquidity & Funding
Loans / Deposits77.46%67.24%80.90%93.48%45th pctl324 / 594
Loans / Assets61.46%53.31%67.71%78.15%37th pctl395 / 629
Brokered Deposits / Depositsn/aNot reported for this institution