BlastPoint's Banking Scorecard
Scottsburg Building and Loan Association
Designations: ✓ Community bank
Scottsburg, IN
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 7 in IN.
- Deposits +0.4% year over year ($61.1M on the books).
- Delinquency rate 0.18%.
- Return on assets 0.30%.
- Efficiency ratio 77.12% vs a 119.40% peer average.
- Loan-to-deposit ratio 76.97% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Scottsburg Building and Loan Association has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 42.28% below tier average
- + Delinquency Rate 1.30% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.27% below tier average
- - ROA 0.69% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$76.9M
-0.3% YoY
-1.2% QoQ
|
+$14.5M |
$62.4M
-0.0% YoY
|
$2.5B
+3.7% YoY
|
$6.3B
+7.7% YoY
|
65% |
| Total Loans ? |
$47.0M
+5.9% YoY
-0.5% QoQ
|
+$12.1M |
$34.9M
-0.6% YoY
|
$1.8B
+5.7% YoY
|
$3.2B
+9.4% YoY
|
73% |
| Total Deposits ? |
$61.1M
+0.4% YoY
-0.6% QoQ
|
+$9.4M |
$51.6M
-0.2% YoY
|
$2.0B
+3.4% YoY
|
$4.9B
+7.3% YoY
|
62% |
| Return on Assets ? |
0.30%
-18.9% YoY
+88.9% QoQ
|
-0.69% |
1.00%
+3.5% YoY
|
1.07%
+3.3% YoY
|
1.30%
+12.1% YoY
|
21% |
| Net Interest Margin ? |
2.64%
+20.6% YoY
-0.1% QoQ
|
-1.27% |
3.91%
+2.3% YoY
|
3.70%
+8.1% YoY
|
3.95%
+4.9% YoY
|
Bottom 8.8% in tier |
| Efficiency Ratio ? |
77.12%
-14.7% YoY
-0.3% QoQ
|
-42.28% |
119.40%
+49.6% YoY
|
77.20%
+13.2% YoY
|
70.05%
+2.5% YoY
|
39% |
| Delinquency Rate ? |
0.18%
+39.1% YoY
+267.2% QoQ
|
-1.30% |
1.48%
+31.8% YoY
|
0.91%
+27.8% YoY
|
0.98%
+16.3% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
76.97%
+5.5% YoY
+0.0% QoQ
|
+2.76% |
74.21%
+12.6% YoY
|
81.91%
+1.2% YoY
|
79.03%
+2.3% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
6.43%
-13.8% YoY
+0.9% QoQ
|
-17.06% |
23.49%
+0.6% YoY
|
16.57%
-2.9% YoY
|
21.98%
-0.6% YoY
|
Bottom 10.8% in tier |
| Nonperforming Asset Ratio ? |
0.11%
+47.9% YoY
+269.8% QoQ
|
-0.73% |
0.84%
+23.0% YoY
|
0.69%
+42.1% YoY
|
0.69%
+15.8% YoY
|
60% |
| Tier 1 Capital Ratio ? |
40.33%
+0.1% YoY
+0.6% QoQ
|
+13.20% |
27.13%
+3.0% YoY
|
16.20%
+1.2% YoY
|
17.09%
+0.8% YoY
|
Top 10.8% in tier |
| Non-Interest Income / Assets ? |
0.08%
+6.9% YoY
+105.7% QoQ
|
-1.30% |
1.38%
+6.3% YoY
|
1.78%
-1.3% YoY
|
0.66%
+5.2% YoY
|
33% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
6.4%
-1.0pp YoY +0.1pp QoQ |
-18.2pp | 24.6% | 16.8% | 22.2% | 6% |
| Brokered Deposits |
5.7%
0.0pp YoY 0.0pp QoQ |
-4.1pp | 9.8% | 7.2% | 8.5% | 46% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I | n/a | n/a | 13.4% | 11.1% | 12.5% | n/a |
| CRE | n/a | n/a | 25.2% | 36.2% | 41.4% | n/a |
| 1-4 Family |
89.2%
+1.1pp YoY +0.7pp QoQ |
+54.2pp | 35.0% | 40.0% | 31.3% | 96% |
| Consumer |
0.2%
-0.3pp YoY 0.0pp QoQ |
-7.5pp | 7.7% | 3.2% | 5.0% | 3% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
40.3%
+0.1pp YoY +0.2pp QoQ |
+1.6pp | 38.7% | 17.5% | 19.7% | 81% |
| Leverage Ratio |
18.9%
+0.3pp YoY +0.1pp QoQ |
+1.2pp | 17.7% | 13.0% | 12.6% | 83% |
| Total Capital Ratio |
41.2%
0.0pp YoY +0.2pp QoQ |
+1.5pp | 39.7% | 18.7% | 20.8% | 81% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
8
0 YoY 0 QoQ |
-4 | 12 | 237 | 482 | 29% |
| Assets per Employee ($) |
$9.6M
-0.3% YoY -1.2% QoQ |
+$3.4M | $6.2M | $7.5M | $8.8M | 92% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 17 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.2%
+0.1pp YoY +0.1pp QoQ |
-1.6pp | 1.7% | 0.8% | 1.0% | 21% |
| Allowance Coverage |
3.52x
-34.4% YoY -72.6% QoQ |
-2.89x | 6.41x | 6.71x | 20.23x | 74% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
1.8%
-0.6pp YoY +0.8pp QoQ |
-4.6pp | 6.4% | 11.2% | 11.6% | 18% |
| Cost of Funds (YTD) |
1.9%
-0.3pp YoY 0.0pp QoQ |
+0.4pp | 1.4% | 1.8% | 1.7% | 77% |
| Net Income ($, YTD) |
$117,000
-18.8% YoY — QoQ |
-$201K | $317,817 | $16.3M | $40.4M | 25% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.