BlastPoint's Banking Scorecard
Scottsburg Building and Loan Association
Micro
Specialty: Mortgage
IN
FDIC cert 29910
Designations: ✓ Community bank
Scottsburg, IN
2498
banks in Micro tier nationally
49 in IN
View Micro leaderboard (IN) →
Scottsburg Building and Loan Association has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 31.56% above tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.50% below tier
- - Non-Interest-Bearing Deposit Share 16.53% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$76.5M
-1.4% YoY
-0.2% QoQ
|
-$141.0M |
$217.5M
+2.3% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 15% in tier |
| Total Loans ? |
$46.8M
+6.5% YoY
+2.9% QoQ
|
-$92.3M |
$139.2M
+2.8% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
18% |
| Total Deposits ? |
$61.3M
+5.5% YoY
+1.0% QoQ
|
-$122.4M |
$183.7M
+1.8% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 14% in tier |
| Return on Assets ? |
0.46%
-6.4% QoQ
|
-0.62% |
1.08%
+14.7% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
17% |
| Net Interest Margin ? |
2.35%
+16.7% YoY
+3.8% QoQ
|
-1.50% |
3.85%
+6.6% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 4% in tier |
| Efficiency Ratio ? |
86.27%
-15.4% YoY
-4.9% QoQ
|
+18.54% |
67.73%
-4.8% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 12% in tier |
| Delinquency Rate ? |
0.14%
-42.9% YoY
-63.9% QoQ
|
-0.50% |
0.64%
+24.4% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
76.41%
+0.9% YoY
+1.8% QoQ
|
+1.89% |
74.53%
+0.5% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
5.87%
+10.6% YoY
+4.0% QoQ
|
-16.53% |
22.39%
-1.3% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 6% in tier |
| Nonperforming Asset Ratio ? |
0.09%
-38.4% YoY
-62.8% QoQ
|
-0.37% |
0.45%
+25.1% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
70% |
| Tier 1 Capital Ratio ? |
40.41%
+2.2% YoY
+0.0% QoQ
|
+31.56% |
8.85%
-3.4% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
0.17%
+3.9% YoY
+36.8% QoQ
|
-0.40% |
0.56%
+0.3% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
17% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
40.41%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (2)
Net Interest Margin
metric
Bottom 4%
in Micro
Why this stands out
Current:
2.35%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 6%
in Micro
Why this stands out
Current:
5.87%
(Tier avg: 22.39%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Tier 1 Capital Ratio
Current: 40.41% · Tier avg: 8.85%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.45%
67
67th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.64%
50
50th pctile
Loan-to-Deposit Ratio
Current: 76.41% · Tier avg: 74.53%
18
18th pctile
Total Loans
Current: $46.8M · Tier avg: $139.2M
17
17th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
17
17th pctile
Return on Assets
Current: 0.46% · Tier avg: 1.08%
15
15th pctile
Total Assets
Current: $76.5M · Tier avg: $217.5M
14
14th pctile
Total Deposits
Current: $61.3M · Tier avg: $183.7M
12
12th pctile
Efficiency Ratio
Current: 86.27% · Tier avg: 67.73%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 5.87% · Tier avg: 22.39%
4
4th pctile
Net Interest Margin
Current: 2.35% · Tier avg: 3.85%
Top Weaknesses
4
4th pctile
Net Interest Margin
Current: 2.35% · Tier avg: 3.85%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 5.87% · Tier avg: 22.39%
12
12th pctile
Efficiency Ratio
Current: 86.27% · Tier avg: 67.73%
14
14th pctile
Total Deposits
Current: $61.3M · Tier avg: $183.7M
15
15th pctile
Total Assets
Current: $76.5M · Tier avg: $217.5M
17
17th pctile
Return on Assets
Current: 0.46% · Tier avg: 1.08%
17
17th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
18
18th pctile
Total Loans
Current: $46.8M · Tier avg: $139.2M
50
50th pctile
Loan-to-Deposit Ratio
Current: 76.41% · Tier avg: 74.53%
67
67th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.64%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.45%
99
99th pctile
Tier 1 Capital Ratio
Current: 40.41% · Tier avg: 8.85%