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
Unfavorable gap of $1.4M · efficiency ratio beats 29% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.30% | 0.60% | 1.01% | 1.45% | Beats 13% | 545 / 629 | | |
| Return on Equity | 1.74% | 5.38% | 9.30% | 13.28% | Beats 11% | 558 / 629 | | |
| Net Interest Margin | 2.31% | 3.03% | 3.54% | 4.05% | Beats 7% | 586 / 629 | | |
| Efficiency Ratio | 77.12% | 58.35% | 67.79% | 79.08% | Beats 29% | 449 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.18% | 0.09% | 0.46% | 1.20% | Beats 67% | 195 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 40.33% | 11.24% | 13.84% | 18.77% | Beats 89% | 67 / 629 | | |
| Total Risk-Based Capital Ratio | 41.15% | 11.58% | 14.43% | 19.66% | Beats 89% | 67 / 629 | | |
| Equity / Assets | 17.45% | 9.09% | 10.65% | 13.80% | Beats 84% | 99 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 77.46% | 67.24% | 80.90% | 93.48% | 45th pctl | 324 / 594 | | |
| Loans / Assets | 61.46% | 53.31% | 67.71% | 78.15% | 37th pctl | 395 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |