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Scottsburg Building and Loan Association

under $100M Specialty: Mortgage IN FDIC cert 29910

Designations: ✓ Community bank

Scottsburg, IN

541 banks in the under $100M peer group nationally 8 in IN
View under $100M leaderboard (IN) →

Scottsburg Building and Loan Association has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 11.00% below tier average
  • + Delinquency Rate 1.32% below tier average

Key Concerns

Areas that may need attention

  • - Net Interest Margin 1.22% below tier average
  • - ROA 0.67% below tier average
Get updates when Scottsburg Building and Loan Association releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Total Assets ? $77.9M
+2.4% YoY +1.9% QoQ
+$15.8M $62.2M
-0.6% YoY
$2.5B
+12.1% YoY
$6.2B
+9.1% YoY
68%
Total Loans ? $47.3M
+4.6% YoY +0.9% QoQ
+$13.0M $34.2M
-1.4% YoY
$1.7B
+14.1% YoY
$3.2B
+10.8% YoY
72%
Total Deposits ? $61.4M
+4.6% YoY +0.2% QoQ
+$9.7M $51.7M
-0.7% YoY
$2.0B
+11.8% YoY
$4.8B
+8.2% YoY
60%
Return on Assets ? 0.16%
-44.9% YoY -65.2% QoQ
-0.67% 0.84%
-2.3% YoY
0.81%
-6.6% YoY
1.23%
+13.4% YoY
18%
Net Interest Margin ? 2.64%
+20.7% YoY +12.4% QoQ
-1.22% 3.86%
+2.8% YoY
3.60%
+8.5% YoY
3.89%
+5.7% YoY
Bottom 9.8% in tier
Efficiency Ratio ? 77.35%
-17.2% YoY -10.3% QoQ
-11.00% 88.34%
+0.3% YoY
105.71%
+27.0% YoY
66.95%
-4.1% YoY
40%
Delinquency Rate ? 0.05%
-31.3% YoY -64.9% QoQ
-1.32% 1.37%
+33.8% YoY
0.90%
+15.9% YoY
0.95%
+18.8% YoY
68%
Loan-to-Deposit Ratio ? 76.95%
-0.1% YoY +0.7% QoQ
+12.73% 64.22%
-0.7% YoY
81.10%
+0.7% YoY
76.70%
+0.9% YoY
32%
Non-Interest-Bearing Deposit Share ? 6.37%
+17.6% YoY +8.6% QoQ
-17.34% 23.71%
+0.3% YoY
17.15%
-0.9% YoY
22.01%
-1.2% YoY
Bottom 11.6% in tier
Nonperforming Asset Ratio ? 0.03%
-29.8% YoY -65.3% QoQ
-0.76% 0.79%
+28.2% YoY
0.67%
+21.6% YoY
0.67%
+19.3% YoY
67%
Tier 1 Capital Ratio ? 40.10%
-1.3% YoY -0.8% QoQ
+13.42% 26.68%
+2.0% YoY
16.04%
+1.8% YoY
17.06%
+0.8% YoY
Top 10.2% in tier
Non-Interest Income / Assets ? 0.04%
+4.2% YoY -75.3% QoQ
-0.62% 0.67%
+1.9% YoY
0.79%
-14.5% YoY
0.32%
+4.1% YoY
33%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 541 peers in under $100M

Top Strengths (1 metrics)

56
Tier 1 Capital Ratio
capital
Value: 40.10%
Peer Median: 26.68%
#56 of 541 Top 10.2% in under $100M

Top Weaknesses (3 metrics)

489
Net Interest Margin
profitability
Value: 2.64%
Peer Median: 3.86%
#489 of 541 Bottom 9.8% in under $100M
479
Non-Interest-Bearing Deposit Share
funding
Value: 6.37%
Peer Median: 23.71%
#479 of 541 Bottom 11.6% in under $100M
442
Return on Assets
profitability
Value: 0.16%
Peer Median: 0.84%
#442 of 541 Bottom 18.5% in under $100M
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