Bank Comparison
State Bank of Medora vs Scottsburg Building and Loan Association
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 11
winning metrics across 19 comparable rows
Capital adequacy
| Metric | State Bank of Medora | Scottsburg Building and Loan Association |
|---|---|---|
| CET1 Ratio | — | 40.10% |
| Tier 1 Capital Ratio | — | 40.10% |
| Total Capital Ratio | — | 40.93% |
| Tier 1 Leverage Ratio | 16.27% | 18.75% |
| Equity / Assets | 16.42% | 17.21% |
Profitability
| Metric | State Bank of Medora | Scottsburg Building and Loan Association |
|---|---|---|
| Return on Assets (ROA) | -0.17% | 0.16% |
| Return on Equity (ROE) | -1.07% | 0.93% |
| Net Interest Margin (NIM) | 2.98% | 2.55% |
| Yield on Earning Assets | 4.79% | 4.34% |
| Cost of Funds | 2.09% | 2.04% |
Asset quality
| Metric | State Bank of Medora | Scottsburg Building and Loan Association |
|---|---|---|
| Texas Ratio | 2.42% | 0.17% |
| Non-Performing Loan Ratio | 0.52% | 0.05% |
| Non-Performing Asset Ratio | 0.26% | 0.03% |
| Net Charge-Off Ratio | 0.04% | 0.00% |
| ACL / Loans | 1.07% | 0.62% |
Balance sheet
| Metric | State Bank of Medora | Scottsburg Building and Loan Association |
|---|---|---|
| Total Assets | $95,745K | $77,910K |
| Total Deposits | $76,315K | $61,413K |
| Total Loans | $47,234K | $47,552K |
| Total Equity | $15,721K | $13,412K |
| Net Income (quarter) | $-42 | $31 |
Liquidity & funding
| Metric | State Bank of Medora | Scottsburg Building and Loan Association |
|---|---|---|
| Loan-to-Deposit Ratio | 61.89% | 77.43% |
| Core Deposit Ratio | 86.61% | 78.66% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | State Bank of Medora | Scottsburg Building and Loan Association |
|---|---|---|
| Headquarters City | Medora | SCOTTSBURG |
| Headquarters State | IN | IN |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 704315 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 16 | 8 |
| Established | Sept. 19, 1933, midnight | Jan. 1, 1889, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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