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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Scottsburg, IN · FDIC certificate #29910
SCOTTSBURG BLDG&LA is an FDIC-insured institution based in Scottsburg, IN (FDIC certificate #29910). In its Q3 2026 Call Report it reported total assets of $76M, total deposits of $60M and net loans of $48M. Its primary federal regulator is FDIC.
Plain-language readout
SCOTTSBURG BLDG&LA has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $78M in Q1 2026 and were lowest at $76M in Q3 2026.
Total deposits were highest at $61M in Q1 2026 and lowest at $60M in Q3 2026.
Over the whole period total assets fell 2.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $76M | $60M | $48M | 0.33% | 1.88% | 2.69% |
| Q2 2026 | $77M | $61M | $47M | 0.30% | 1.75% | 2.64% |
| Q1 2026 | $78M | $61M | $47M | 0.16% | 0.93% | 2.64% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $4.7M | $3.6M | +$1.2M | +33.5% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $17.4M | $19.3M | -$1.9M | -9.9% |
| Equity securities with readily determinable fair values, not held for trading | $133K | $143K | -$10K | -7.0% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $47.0M | $47.3M | -$259K | -0.5% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $693K | $702K | -$9K | -1.3% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $7.0M | $6.9M | +$35K | +0.5% |
| Total assets | $76.9M | $77.9M | -$967K | -1.2% |
| Liabilities | ||||
| Total deposits | $61.1M | $61.4M | -$357K | -0.6% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $1.8M | $2.4M | -$600K | -25.5% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $713K | $735K | -$22K | -3.0% |
| Total liabilities | $63.5M | $64.5M | -$979K | -1.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1K | $1K | $0K | 0.0% |
| Surplus | $0K | $0K | $0K | n/a |
| Retained earnings | $14.8M | $14.7M | +$87K | +0.6% |
| Accumulated other comprehensive income | -$1.4M | -$1.3M | -$75K | -5.6% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $13.4M | $13.4M | +$12K | +0.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $84K | $23K | +$61K | +265.2% |
| Adjusted nonperforming assets | $84K | $23K | +$61K | +265.2% |
| Tangible equity plus allowance | $13.7M | $13.7M | +$12K | +0.1% |
| Texas ratio (gross) | 0.61% | 0.17% | +0.44 pts | See points |
| Texas ratio (adjusted) | 0.61% | 0.17% | +0.44 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.61% | 0.17% | +0.44 pts | See points |
| Tier 1 capital to risk-weighted assets | 40.33% | 40.10% | +0.23 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 40.33% | 40.10% | +0.23 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.83% | 0.83% | -0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 41.15% | 40.93% | +0.23 pts | See points |
| Tier 1 leverage (approximate) | 18.85% | 18.75% | +0.10 pts | See points |
| Construction and land loans to total capital | 14.53% | 18.04% | -3.51 pts | See points |
| Commercial real estate to total capital | 14.53% | 18.04% | -3.51 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -12.90% | -12.35% | -0.56 pts | See points |
| Liquidity | ||||
| Core deposits | $44.5M | $44.8M | -$315K | -0.7% |
| Non-core funding | $18.3M | $18.9M | -$642K | -3.4% |
| Loans to core deposits | 106.25% | 106.08% | +0.17 pts | See points |
| Loans to deposits | 77.46% | 77.43% | +0.03 pts | See points |
| Brokered deposits share of deposits | 5.70% | 5.67% | +0.03 pts | See points |
| Pledged securities share of securities | 64.73% | 60.96% | +3.78 pts | See points |
| Loans pledged, share of loans | 78.78% | 85.68% | -6.90 pts | See points |
| Volatile liabilities | $18.3M | $18.9M | -$642K | -3.4% |
| Earnings | ||||
| Earnings before provision, year to date | $224K | $111K | +$113K | +101.8% |
| Earnings before provision, single quarter | $113K | $111K | +$2K | +1.8% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 5.37% | 5.39% | -0.02 pts | See points |
| Yield on interest-bearing balances due from banks | 3.62% | 2.65% | +0.98 pts | See points |
| Total interest income to average assets | 3.91% | 3.93% | -0.02 pts | See points |
| Cost of interest-bearing transaction accounts | 0.00% | 0.00% | 0.00 pts | See points |
| Cost of savings and money market deposits | 0.25% | 0.22% | +0.03 pts | See points |
| Cost of time deposits | 3.37% | 3.22% | +0.15 pts | See points |
| Total interest expense to average assets | 1.61% | 1.62% | -0.01 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $76M | $60M | $48M | 0.33% | 1.88% | 2.69% |
| 2026-06-30 | $77M | $61M | $47M | 0.30% | 1.75% | 2.64% |
| 2026-03-31 | $78M | $61M | $47M | 0.16% | 0.93% | 2.64% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| IN | $60.8M | 0.03% | 116 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.