# SCOTT COUNTY STATE BANK
SCOTTSBURG, IN · FDIC certificate 10485 · asset band <$300M · latest filing 2015-06 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $148.2M | |
| Deposits | $130.0M | |
| Loans and leases | $87.7M | |
| Total equity | $14.3M | |
| Loans / deposits | 66.81% (p40 of band) | 72.67% |
| Liquid assets / assets | 34.45% (p53 of band) | |
| Uninsured deposits / deposits | 37.53% (p96 of band) | 13.36% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.40% (p52 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.21% (p44 of band) | 10.53% |
| Unrealized securities loss / equity | -1.36% (p15 of band) | 0.18% |
| AOCI / equity | -1.92% (p10 of band) | |
| ROA (annualized) | 1.00% (p62 of band) | 0.82% |
| Net interest margin | 3.94% (p69 of band) | 3.60% |
| Efficiency ratio | 65.06% (p30 of band) | |
| Noncurrent loans | 2.07% (p79 of band) | 0.74% |
| Net charge-offs (annualized) | 0.18% (p87 of band) | |
| Reserve coverage of noncurrent | 44.80% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 19.71% (p56 of band) | |
| Auto loans | $3.1M (3.53% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.1% | |
| Employees | 22 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | capital falling |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 3 | deposits shrinking, assets shrinking |  |
| 2014-03 | 1 |  | deposits shrinking, assets shrinking |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | capital falling |  |
| 2014-12 | 1 |  | capital falling |
| 2015-03 | 2 | charge-offs p90 |  |
| 2015-06 | 1 |  | charge-offs p90 |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-19 [Donna D. (Howard) Craig Obituary (2026) - Scottsburg, IN - Collins Funeral Home - Scottsburg - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTFBjRExlX1NwdzFVOVI3THFsQWE4YzR2cjF6aWtzVVZuMFJKdk1ES0NTU3BsYWxmUFUtRDV4a0NRNkxQcXlYRk83bjRQb3J0emRDdHNyeTIxa1M2UTRFZkhwV0NWOHhMVUhldURHMFplNnRvWTZ0MWNDeUxkaG5ZTFk?oc=5) · legacy.com
- 2019-01-30 [‘Traveling Bandit’ suspect has history of robbing banks - WJHL](https://news.google.com/rss/articles/CBMihwFBVV95cUxQYVAyQTBpd0VUTEFTVHV3bnBFMnBsaW0yY29ObjhrSERmczQ0Ni1CcV82dFRsQk03TU1wU3BtQ1lXcE1MV1FFWE9mS2dRajVnMEdDUUNzQTFqWTBCNWI3bVQ5SnpZOENfc0xyQXRoQjYzVDBrU3d6SHF6TExyejBmdHlkUXZ0RTjSAYwBQVVfeXFMT3NiTktxaXNUQnhwb3JzeEw1STZlN1ZYV29mS2Nwb3BHMjZrT3hfQ3U1ajlFNEk5aVFvdnhYRzBIWkVaQXJmbC1VbUxKc3RpMG5qbGtwNGZ5S2FvUmg2SldjU3pvYzlITEVyWG8yZXlMU2Rib1l0dVR5V1BqNFNRdzYxV1FQa2xzcVlrNWo?oc=5) · WJHL
- 2025-06-19 [Thelma Johnson Obituary (2025) - Austin, IN - Buchanan Funeral Home - Austin - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxQdlZ0SkZWdlZmVWxyWXdhX1JWS0d2UG5xakZ3T0pUck90aG8zV2NaaXRMUzdBRTRwdFZ3Zk9HdkJWU25rV3BnWWlxQ3VFTUpsR3RkN0wzWXQxVlBiRlZVUXMzWTZ4enMyVGE2X3g3WTBxRWgtR3d4aWJHczdYTWlGZmhwUQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10485 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/53.json (key "10485", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide