Scottsburg Building and Loan Association: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 3.51 percentage points lower than in Q1 2026, at 14.54%. Scottsburg Building and Loan Association ranks 60th of 87 Indiana banks on loan-to-deposit ratio, in the lower half at 77.46% (Q2 2026). Scottsburg Building and Loan Association reported 77.46% on loan-to-deposit ratio for Q2 2026, 9.83 points above the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $47.3M |
| Net loans and leases | $47.0M |
| Loans held for sale | $0 |
| Loans to total assets | 61.46% |
| Loan-to-deposit ratio | 77.46% |
| Net loans to equity capital | 3.50% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 1.46% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 0.00% |
| Consumer | 0.16% |
| Credit cards | 0.00% |
| Farm | 5.03% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 14.54% |
| Construction concentration (Tier 1 capital + allowance) | 14.54% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.37% |
| Interest income on loans | $637K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $42.1M | $58.8M | 1.80% | 0.00% | 0.25% |
| Q4 2023 | $43.5M | $59.1M | 1.67% | 0.00% | 0.43% |
| Q1 2024 | $44.1M | $59.1M | 1.59% | 0.00% | 0.45% |
| Q2 2024 | $43.7M | $57.5M | 1.55% | 0.00% | 0.36% |
| Q3 2024 | $44.1M | $57.0M | 1.48% | 0.00% | 0.35% |
| Q4 2024 | $44.3M | $58.1M | 1.42% | 0.00% | 0.31% |
| Q1 2025 | $45.5M | $58.7M | 1.33% | 0.00% | 1.33% |
| Q2 2025 | $44.7M | $60.8M | 1.31% | 0.00% | 0.49% |
| Q3 2025 | $45.8M | $60.7M | 1.23% | 0.00% | 0.44% |
| Q4 2025 | $47.1M | $61.3M | 1.15% | 0.00% | 0.15% |
| Q1 2026 | $47.6M | $61.4M | 1.09% | 0.00% | 0.18% |
| Q2 2026 | $47.3M | $61.1M | 1.46% | 0.00% | 0.16% |
Scottsburg Building and Loan Association loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Scottsburg Building and Loan Association, freeSource: Call Report Schedule RC-C, 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)