Scottsburg Building and Loan Association: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 934.58 percentage points lower than in Q1 2026, at 352.38%. Scottsburg Building and Loan Association ranks 77th of 87 Indiana banks on return on assets, in the lower half at 0.43% (Q2 2026). Against a median of 0.98% for banks in the < $100M asset tier, Scottsburg Building and Loan Association reported 0.43% on return on assets in Q2 2026, 0.55 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 40.33% |
| Tier 1 risk-based capital ratio | 40.33% |
| Total risk-based capital ratio | 41.15% |
| Tier 1 leverage ratio | 18.85% |
| Equity capital to assets | 17.45% |
| Tangible equity to tangible assets | 17.45% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.18% |
| Non-performing assets ratio | 0.11% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.61% |
| Allowance for credit losses to loans | 0.63% |
| Reserve coverage of non-performing loans | 352.38% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.43% |
| Return on equity | 2.56% |
| Net interest margin | 2.56% |
| Efficiency ratio | 76.77% |
| Yield on earning assets | 4.35% |
| Cost of funds | 2.16% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.46% |
| Core deposits to total deposits | 72.90% |
| Brokered deposits to total deposits | 5.70% |
| Deposits to assets | 79.35% |
| Securities to assets | 22.77% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 39.52% | 39.52% | 40.36% | 18.12% | 0.10% |
| Q4 2023 | 39.05% | 39.05% | 39.88% | 18.11% | 0.05% |
| Q1 2024 | 38.98% | 38.98% | 39.80% | 17.86% | 0.04% |
| Q2 2024 | 40.28% | 40.28% | 41.13% | 17.92% | 0.01% |
| Q3 2024 | 40.33% | 40.33% | 41.18% | 18.02% | -0.00% |
| Q4 2024 | 39.53% | 39.53% | 40.36% | 18.11% | 0.04% |
| Q1 2025 | 40.63% | 40.63% | 41.49% | 18.36% | 0.28% |
| Q2 2025 | 40.27% | 40.27% | 41.12% | 18.53% | 0.45% |
| Q3 2025 | 40.40% | 40.40% | 41.24% | 18.72% | 0.71% |
| Q4 2025 | 40.41% | 40.41% | 41.25% | 18.82% | 0.36% |
| Q1 2026 | 40.10% | 40.10% | 40.93% | 18.75% | 0.16% |
| Q2 2026 | 40.33% | 40.33% | 41.15% | 18.85% | 0.43% |
Scottsburg Building and Loan Association vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Scottsburg Building and Loan Association, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)