Scottsburg Building and Loan Association: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Accumulated other comprehensive income fell 5.6% in Q2 2026 to -$1.4M, the biggest move on this page. Among 50 Indiana banks, Scottsburg Building and Loan Association sits 2nd from the top on CET1 ratio, 40.33% as of Q2 2026. Scottsburg Building and Loan Association's CET1 ratio of 40.33% is well above the 19.57% median for banks in the < $100M asset tier, a gap of 20.76 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 40.33% |
| Tier 1 risk-based capital ratio | 40.33% |
| Total risk-based capital ratio | 41.15% |
| Tier 1 leverage ratio | 18.85% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $14.9M |
| Tier 1 capital | $14.9M |
| Total risk-based capital | $15.3M |
| Total equity capital | $13.4M |
| Risk-weighted assets | $37.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 17.45% |
| Tangible equity to tangible assets | 17.45% |
| Equity capital to average assets | 16.93% |
| Internal capital growth rate | 2.56% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $0 |
| Retained earnings | $14.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.4M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 39.52% | 39.52% | 40.36% | 18.12% | $36.6M |
| Q4 2023 | 39.05% | 39.05% | 39.88% | 18.11% | $37.0M |
| Q1 2024 | 38.98% | 38.98% | 39.80% | 17.86% | $37.1M |
| Q2 2024 | 40.28% | 40.28% | 41.13% | 17.92% | $35.9M |
| Q3 2024 | 40.33% | 40.33% | 41.18% | 18.02% | $35.9M |
| Q4 2024 | 39.53% | 39.53% | 40.36% | 18.11% | $36.6M |
| Q1 2025 | 40.63% | 40.63% | 41.49% | 18.36% | $35.8M |
| Q2 2025 | 40.27% | 40.27% | 41.12% | 18.53% | $36.3M |
| Q3 2025 | 40.40% | 40.40% | 41.24% | 18.72% | $36.5M |
| Q4 2025 | 40.41% | 40.41% | 41.25% | 18.82% | $36.7M |
| Q1 2026 | 40.10% | 40.10% | 40.93% | 18.75% | $37.1M |
| Q2 2026 | 40.33% | 40.33% | 41.15% | 18.85% | $37.1M |
Scottsburg Building and Loan Association regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Scottsburg Building and Loan Association, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Scottsburg Building and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29910) · FFIEC NIC profile (RSSD 735973)