Scottsburg Building and Loan Association: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Scottsburg Building and Loan Association of Scottsburg, IN against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.43% | 3.14% | -2.71% | 24th bottom |
| ROAE | 2.56% | 10.43% | -7.87% | 22nd bottom |
| Net Interest Margin | 2.56% | 3.93% | -1.37% | 8th bottom |
| Efficiency Ratio | 76.77% | 76.30% | +0.47% | 37th below |
| PPNR / Avg Assets | 0.57% | 1.40% | -0.83% | 22nd bottom |
| Yield on Earning Assets | 4.35% | 5.35% | -1.00% | 18th bottom |
| Cost of Funds | 2.16% | 1.70% | +0.46% | 22nd bottom |
| Net Interest Spread | 2.19% | 3.31% | -1.12% | 12th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.18% | 1.34% | -1.16% | 54th above |
| NPA / Total Assets | 0.11% | 0.71% | -0.60% | 52nd above |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 0.63% | 1.49% | -0.86% | 7th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 352.38% | 865.76% | -513.38% | 72nd above |
| Texas Ratio | 0.61% | 8.27% | -7.66% | 60th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 40.33% | 61.96% | -21.63% | 74th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 40.33% | 61.96% | -21.63% | 74th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 41.15% | 62.93% | -21.78% | 74th above |
| Leverage Ratio | 18.85% | 17.60% | +1.25% | 78th top |
| Equity / Assets | 17.45% | 16.42% | +1.03% | 75th top |
| TCE / Tangible Assets | 17.45% | 16.17% | +1.28% | 76th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 77.46% | 72.82% | +4.64% | 34th below |
| Core Deposit Ratio | 72.90% | 88.25% | -15.35% | 6th bottom |
| Wholesale Funding Ratio | 2.27% | 5.29% | -3.02% | 65th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.33% | 4.31% | -4.64% | 30th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.85% | 6.72% | -0.87% | 63rd above |
| Deposit Growth (Y/Y) | 0.37% | 3.78% | -3.41% | 40th below |
See Scottsburg Building and Loan Association's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Scottsburg Building and Loan Association, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Scottsburg Building and Loan Association profile, how to read a UBPR, or how this data updates.