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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 $0.1MQ3 2024Q2 2026
Deposit mix
94%Interest-bearing $57.1M6%Noninterest $3.9MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.44%, down 2 bps year over year; NIM at 2.30%.
  • 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.

Return on Assets (quarter, annualized)

0.44%-2 bps YoY

Net Interest Margin (quarter, annualized)

2.30%+38 bps YoY

Efficiency Ratio (quarter, annualized)

76.89%-1,067 bps YoY

Tier 1 Leverage Ratio

18.85%+32 bps YoY

NIM

3.59%Q2 ’243.74%Q2 ’253.91%Q2 ’26+10%+20%

Non-interest income vs. expense

1.89%Q2 ’241.82%Q2 ’251.90%Q2 ’26-4%+4%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.01%0.04%10.29%10.46%10.73%0.37%0.16%0.44%-2 bps
Return on Equity-0.03%0.23%1.82%2.79%4.33%2.11%0.93%2.56%-23 bps
Net Interest Margin1.71%1.70%1.91%1.92%2.12%2.27%2.31%2.30%+38 bps
Efficiency Ratio100.80%108.63%93.37%87.56%91.09%74.69%77.35%76.89%-1,067 bps
Non-Interest Burden1.73%1.86%1.77%1.66%1.91%1.66%1.75%1.73%+7 bps
Growth
Asset Growth (YoY)0.72%-1.23%-2.86%0.29%-0.56%-1.42%2.41%-0.33%-63 bps
Loan Growth (YoY)4.65%1.80%3.12%2.14%3.92%6.41%4.50%5.85%+371 bps
Deposit Growth (YoY)-3.17%-1.73%-0.74%5.71%6.53%5.48%4.65%0.37%-533 bps
Asset Quality
Nonperforming Loans / Loans0.24%0.24%0.07%0.13%0.38%0.14%0.05%0.18%+5 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.69%0.69%0.67%0.68%0.65%0.63%0.62%0.63%-6 bps
Allowance Coverage of NPLs2.9x2.9x9.6x5.4x1.7x4.6x12.9x3.5x-1.8x
Capital
Tier 1 Leverage Ratio18.02%18.11%18.36%18.53%18.72%18.82%18.75%18.85%+32 bps
Total Risk-Based Capital41.18%40.36%41.49%41.12%41.24%41.25%40.93%41.15%+4 bps
Equity / Assets16.56%15.60%16.50%16.42%17.23%17.50%17.21%17.45%+103 bps
Liquidity & Funding
Loans / Deposits77.41%76.23%77.54%73.45%75.52%76.90%77.43%77.46%+401 bps
Liquid Assets / Assets1.30%3.41%1.46%4.74%3.45%2.10%4.24%5.96%+122 bps
CRE / Total Capitaln/an/an/an/a17.96%21.50%21.89%n/an/a