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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