Scottsburg Building and Loan Association: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
In Q2 2026, Yield on securities edged down by 0.14 percentage points, from 2.20% to 2.06%, the largest move among the key lines here. Scottsburg Building and Loan Association has the 3rd lowest net interest margin of the 87 banks headquartered in Indiana, at 2.56% as of Q2 2026. The median for banks in the < $100M asset tier is 3.89% on net interest margin. Scottsburg Building and Loan Association sits 1.33 points lower, at 2.56% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.35% |
| Yield on loans | 5.37% |
| Yield on securities | 2.06% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.16% |
| Cost of interest-bearing deposits | 2.12% |
| Cost of interest-bearing liabilities | 2.16% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.56% |
| Yield to cost spread | 2.19% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $637K |
| Total interest expense | $320K |
| Interest expense on deposits | $304K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 3.73% | 1.85% | 2.22% | 4.68% | 2.29% |
| Q4 2023 | 3.84% | 2.06% | 2.13% | 4.78% | 2.37% |
| Q1 2024 | 3.91% | 2.29% | 2.01% | 4.87% | 2.40% |
| Q2 2024 | 3.98% | 2.46% | 1.95% | 4.88% | 2.37% |
| Q3 2024 | 4.02% | 2.60% | 1.91% | 5.05% | 2.29% |
| Q4 2024 | 4.01% | 2.62% | 1.89% | 5.00% | 2.30% |
| Q1 2025 | 4.17% | 2.45% | 2.11% | 5.17% | 2.28% |
| Q2 2025 | 4.16% | 2.36% | 2.14% | 5.15% | 2.23% |
| Q3 2025 | 4.30% | 2.26% | 2.36% | 5.35% | 2.18% |
| Q4 2025 | 4.38% | 2.26% | 2.52% | 5.46% | 2.18% |
| Q1 2026 | 4.34% | 2.12% | 2.55% | 5.39% | 2.20% |
| Q2 2026 | 4.35% | 2.16% | 2.56% | 5.37% | 2.06% |
Scottsburg Building and Loan Association yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Scottsburg Building and Loan Association, freeSource: Call Report Schedules RI and RC-K, 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)