TellerScore

Headquartered in Scottsburg, Indiana, Scottsburg Building and Loan Association is a savings association with $76.9M in total assets and $61.1M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1889.

Scottsburg Building and Loan Association has a TellerScore of 82 out of 100 (strong) based on Q2 2026 data — higher than 70% of its 546 banks with under $100 million in assets. Among 88 banks headquartered in Indiana, it ranks 8th. Capital cushion contributes the most (100/100, 18.85%); earnings contributes the least (32/100, 0.30%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 18.85%
Loan quality94/100
Noncurrent loans ÷ total loans: 0.18%
Earnings32/100
Return on assets (annualized): 0.30%
Funding & liquidity83/100
Loans ÷ deposits and uninsured-deposit share: 77.0% · 15.2% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.61%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 2 points (84 → 82), mostly because the funding & liquidity component weakened by 4 points.

TellerScore
798284Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202482
Q3 202479
Q4 202480
Q1 202583
Q2 202584
Q3 202582
Q4 202584
Q1 202682
Q2 202682
Tier 1 leverage ratio
5.00%11.93%18.85%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202417.92%
Q3 202418.02%
Q4 202418.11%
Q1 202518.36%
Q2 202518.53%
Q3 202518.72%
Q4 202518.82%
Q1 202618.75%
Q2 202618.85%
Noncurrent loans
0.00%0.19%0.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.24%
Q4 20240.24%
Q1 20250.07%
Q2 20250.13%
Q3 20250.38%
Q4 20250.14%
Q1 20260.05%
Q2 20260.18%
Return on assets
0.02%0.26%0.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.03%
Q3 20240.02%
Q4 20240.02%
Q1 20250.29%
Q2 20250.37%
Q3 20250.49%
Q4 20250.46%
Q1 20260.16%
Q2 20260.30%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202682$76.9M18.85%0.18%0.30%77.0%
Q1 202682$77.9M18.75%0.05%0.16%76.9%
Q4 202584$76.5M18.82%0.14%0.46%76.4%
Q3 202582$76.6M18.72%0.38%0.49%75.0%
Q2 202584$77.2M18.53%0.13%0.37%72.9%
Q1 202583$76.1M18.36%0.07%0.29%77.0%
Q4 202480$77.6M18.11%0.24%0.02%75.7%
Q3 202479$77.0M18.02%0.24%0.02%76.9%
Q2 202482$77.0M17.92%0.00%0.03%75.5%

546 peers · Under $100 million in assets

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio18.85%
83rd
Total risk-based capital41.15%
91st
Problem loans0.18%
58th
Net charge-offs0.00%
58th
Return on assets0.30%
22nd
Net interest margin2.64%
9th
Efficiency ratio77.1%
39th
Loans to deposits77.0%
34th
Uninsured deposits15.2%
53rd
Loan-loss reserves0.63%
11th
Texas ratio0.6%
61st

Similar-size banks in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
Boonville Federal Savings BankBank Boonville, IN55 out of 100, Moderate$71.5M8.8%0.89%vs
First Federal Savings Bank of WashingtonBank Washington, IN49 out of 100, Below average$94.4M11.0%2.06%vs
The Fairmount State BankBank Fairmount, IN37 out of 100, Low$57.0M11.7%6.37%vs
Peoples Community Bank SB of Monticello, IndianaBank Monticello, IN57 out of 100, Moderate$42.7M32.0%2.84%vs
Generations Community BankBank Indianapolis, IN76 out of 100, Strong$30.9M86.2%0.00%vs
Everence Trust CompanyBank Goshen, IN94 out of 100, Very strong$16.2M96.8%0.00%vs

Deposit insurance

Is my money safe at Scottsburg Building and Loan Association?

Yes. Scottsburg Building and Loan Association is an FDIC-insured institution (FDIC certificate #29910). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 15.2% of deposits ($9.3M) are above the $250,000 FDIC insurance limit, close to the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 18.85%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 41.15% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Scottsburg Building and Loan Association lists 1 office in 1 city. Most locations:

  • Scottsburg, IN (1)

All branch addresses and map

Identity & history

Profile

Legal name
Scottsburg Building and Loan Association
Type
Savings association
FDIC certificate #
29910
RSSD ID
735973
Primary regulator
FDIC
Holding company
Scottsburg B&l Mhc
Established
January 1, 1889
Headquarters
306 W Mcclain Ave, Scottsburg, IN 47170
Employees
8

Quick answers

Scottsburg Building and Loan Association: common questions

Is Scottsburg Building and Loan Association FDIC insured?

Yes. Scottsburg Building and Loan Association is an FDIC-insured institution (FDIC certificate #29910). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Scottsburg Building and Loan Association's TellerScore?

82 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Scottsburg Building and Loan Association ever failed?

There is no failure record for FDIC certificate #29910 in the FDIC failed bank list.

How many branches does Scottsburg Building and Loan Association have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Scottsburg

InstitutionScoreAssetsCapitalProblem loansCompare
Jackson County Co-Op Credit UnionCredit union Seymour, IN92 out of 100, Very strong$31.3M18.4%0.00%vs
Beacon Credit UnionCredit union Wabash, IN76 out of 100, Strong$1.8B13.5%0.47%vs
German American BankBank Jasper, IN75 out of 100, Strong$8.4B11.2%0.45%vs
First Harrison BankBank Corydon, IN75 out of 100, Strong$1.3B11.3%0.72%vs
Centra Credit UnionCredit union Columbus, IN73 out of 100, Strong$2.4B12.3%0.96%vs
Stock Yards Bank & Trust CompanyBank Louisville, KY72 out of 100, Strong$10.4B10.7%0.31%vs