Scottsburg Building and Loan Association
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Data as of · sourced from FFIEC call reports. How we update
Scottsburg Building and Loan Association is an FDIC-insured savings and loan association headquartered in Scottsburg, IN, established in 1889 (FDIC certificate 29910), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $76.9M, down 0.3% from Q2 2025, the 82nd largest of 87 banks headquartered in Indiana. Its CET1 capital ratio was 40.33% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings and loan association
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 29910
- Headquarters
- Scottsburg, IN
- Established
- 1889
- Total assets, Q2 2026
- $76.9M
- Assets vs Q2 2025
- -0.3%
- CET1 ratio, Q2 2026
- 40.33%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 283971914
- Latest call report
- Q2 2026, FFIEC 051 · Scottsburg Building and Loan Association Q3 2026 call report, filed October 13, 2026 (preliminary)
- Holding company
- B & L FINANCIAL CORP.
- Asset rank in state
- 82nd of 87 in Indiana
Scottsburg Building and Loan Association, based in Scottsburg, Indiana, reported $77 million in assets at June 30, 2026. It keeps 2.56 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 533 banks with less than $100 million in assets (median 3.91 cents). On the other hand, it funds 18.85% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 12.81%).
Loans are outrunning deposits: over the year loans rose 5.8% and deposits rose 0.4%. Profitability lags: it returns 2.6% a year on shareholders' equity, about a third the median of 8.6% for banks its size.
As of June 30, 2026, Scottsburg Building and Loan Association reported a CET1 capital ratio of 40.33%, a return on assets of 0.43%, a nonperforming-loan ratio of 0.18% and a Texas ratio of 0.61%. The figures come from its call report filed with the FFIEC.
Scottsburg Building and Loan Association ranks as the 82nd largest of the 87 banks based in Indiana, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.2% to $76.9M, loans fell 0.5% and deposits fell 0.6%. 1-4 family residential loans made up 88.7% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 5.0%. The FDIC Summary of Deposits lists a single office for it, in Scottsburg, IN. Judged on its Q2 2026 call report, Scottsburg Building and Loan Association meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 306 W Mcclain Ave, Scottsburg, IN 47170
- County
- Scott
- Charter
- State-chartered stock savings and loan association, FDIC-supervised (pre-2011 OTS)
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1889
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 8
- Domestic deposits
- $61.1M
- Allowance for credit losses
- $296K
- Net charge-offs (YTD)
- $0
- Average total assets
- $79.3M
- Average total loans
- $47.4M
- Average interest-bearing deposits
- $55.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29910
- Fed RSSD
- 735973
- Website
- www.sblaonline.com →
- Parent Holding Company
- B & L FINANCIAL CORP. (RSSD 3832211)
- Ultimate Parent
- SCOTTSBURG B&L, MHC (RSSD 3832202)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Scottsburg Building and Loan Association's total assets ranged from $76.1M (Q1 2025) to $78.5M (Q4 2023), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$76.9M total assets against $77.2M; $63.5M total liabilities against $64.5M.
$47.0M net loans and leases against $44.4M; $61.1M total deposits against $60.8M.
$17.5M securities against $21.4M; $4.7M cash and balances due against $3.8M.
$776K total interest income against $738K; $320K total interest expense against $359K.
$456K net interest income against $379K.
$33K total noninterest income against $31K; $376K total noninterest expense against $359K.
No provision recorded in the last 12 quarters.
$86K net income against $88K.
0.43% return on assets against 0.45%; 2.56% net interest margin against 2.14%.
40.33% CET1 capital ratio against 40.27%; 18.85% tier 1 leverage ratio against 18.53%.
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21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.00% (Q3 2024) to 0.71% (Q3 2025) and its net interest margin ran from 1.89% (Q4 2024) to 2.56% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 40.33% | 0.43% | 0.18% | 0.61% | 2.56% |
| Q1 2026 | 40.10% | 0.16% | 0.05% | 0.17% | 2.55% |
| Q4 2025 | 40.41% | 0.36% | 0.14% | 0.48% | 2.52% |
| Q3 2025 | 40.40% | 0.71% | 0.38% | 1.30% | 2.36% |
| Q2 2025 | 40.27% | 0.45% | 0.13% | 0.44% | 2.14% |
| Q1 2025 | 40.63% | 0.28% | 0.07% | 0.25% | 2.11% |
| Q4 2024 | 39.53% | 0.04% | 0.24% | 0.86% | 1.89% |
| Q3 2024 | 40.33% | 0.00% | 0.24% | 0.82% | 1.91% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Scottsburg Building and Loan Association (main office) | Scottsburg , IN | 47170 | $61.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IN, rank 113 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 127 applications, 72 loans originated, $8.8M originated, across 1 states
- Period: Calendar year 2018. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Scottsburg Building and Loan Association
What are Scottsburg Building and Loan Association's total assets?
As of the Q2 2026 filing, Scottsburg Building and Loan Association reported total assets of $76.9 million in its FFIEC call report.
Where is Scottsburg Building and Loan Association headquartered?
It is headquartered in Scottsburg, IN, United States.
When was Scottsburg Building and Loan Association founded?
It was established in 1889, per the FDIC institution directory.
Is Scottsburg Building and Loan Association FDIC-insured?
Yes. It is an FDIC-insured savings and loan association (FDIC Certificate #29910). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Scottsburg Building and Loan Association?
Scottsburg Building and Loan Association's primary federal regulator is the FDIC.
What is Scottsburg Building and Loan Association's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 40.33% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Scottsburg Building and Loan Association operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Scottsburg Building and Loan Association's Texas Ratio?
Its Texas Ratio is 0.61% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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