# SCB BANK
SHELBYVILLE, IN · FDIC certificate 29761 · asset band <$300M · latest filing 2011-12 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 11 (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 | $182.6M | |
| Deposits | $171.4M | |
| Loans and leases | $139.9M | |
| Total equity | $-20,000 | |
| Loans / deposits | 79.95% (p70 of band) | 70.28% |
| Liquid assets / assets | 21.77% (p21 of band) | |
| Uninsured deposits / deposits | 2.47% (p13 of band) | 8.25% |
| Brokered deposits | 32.83% | |
| Wholesale funding | 38.09% (p100 of band) | |
| FHLB advances / assets | 5.26% | |
| Tier 1 leverage | 0.31% (p0 of band) | 9.92% |
| Unrealized securities loss / equity | – | 3.23% |
| AOCI / equity | – | |
| ROA (annualized) | -4.27% (p1 of band) | 0.69% |
| Net interest margin | 2.55% (p5 of band) | 3.86% |
| Efficiency ratio | 140.58% (p97 of band) | |
| Noncurrent loans | 9.87% (p96 of band) | 1.38% |
| Net charge-offs (annualized) | 2.91% (p98 of band) | |
| Reserve coverage of noncurrent | 20.82% | |
| Real estate % of loans | 73% | |
| Construction % of loans | – | |
| Auto loans | $725,000 (0.52% of loans; DQ 5.66%, NCO -0.01%) | |
| Loans to nondepository financials | $0 (– of equity) | |
| Deposits YoY | – | |
| Employees | 54 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 10 | brokered >10%, wholesale funding >15%, leverage <7%, leverage <5%, losing money, expense ratio p90, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 9 |  | construction >100% equity |
| 2011-09 | 12 | capital falling, charge-offs p90, construction >100% equity |  |
| 2011-12 | 11 |  | construction >100% equity |

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

- 2026-01-22 [SCB X’s net profit rose 8.1% to $1.51b in 2025 - Asian Banking & Finance](https://news.google.com/rss/articles/CBMimAFBVV95cUxPbko1Wm5YMmZGSTl4R1l4clhmai10N0R2TkRFSHhnOUhjS3FCeG15YjZWV3ZvajZZR3lING9PNXNXUEtWcHR6U2dyeDFZbllTYkc0UEJiVnFjMVpRRFVsc254RTNZclMxRHBoQTFpWkFHTDlZbkIyY1pfZUM2WDBIVVYwc2NTTFdtMTd1UkgzeWotOGpqaW01Yg?oc=5) · Asian Banking &amp; Finance
- 2022-10-14 [Facebooker in Vietnam’s Quang Ninh province fined for posting about bank run - rfa.org](https://news.google.com/rss/articles/CBMigwFBVV95cUxPdGhDWUVOUkk1TUszZnIzZ3dPem9vRkdpTWhKZW84YXpieG1qdUhJOXBQcTJWQ3VGUW9OdUtBRFlfSDFiTzUwWnpJSFJ5MlA0UG1MdzlHUnZxMWp4ZmdOLXFhcEVqQjlncW52blA5NnpaVGNNX1lFQ1BCRS14SmJlV2x2Yw?oc=5) · rfa.org
- 2022-10-17 [Vietnam’s Saigon Joint Stock Commercial Bank under ‘special scrutiny’ - Retail Banker International](https://news.google.com/rss/articles/CBMiggFBVV95cUxQd0lUb0ZMVWRKUXd4NC11ZmtpNk52R2gzRGE3Z0t0VHdlRHhESFh4S1puU0lONVZKVmUxWmlzTVNjMUpFYnJTY3JRbmRqcTlpanBGSzhnbGRMU01tVV9sOThoaUJINURLaEhKZjB5bUlTMTlGdmQzckVjQnhmbmVqYkFn?oc=5) · Retail Banker International
- 2022-08-16 [SCB opens Card Perso Center and Banking Simulations - intlbm](https://news.google.com/rss/articles/CBMiigFBVV95cUxPSlBJSkxBaFBNZG5jdWZPZjZiNXJaR0Y1aFlfeEFibzRwWU5TbnlCdUk3UGRDeE92aHV1ZFc0QXpfajFla2lCX1BDVkJLM0RJRU5YTExUemdSTnc4NklvNHlNMUhvbUdEVmVXQWc0bHEwQS0yX08zVVg3aVVfYUtINmxzeDBEMUJMekE?oc=5) · intlbm
- 2021-10-30 [SCB Stock Price and Chart — SET:SCB - TradingView](https://news.google.com/rss/articles/CBMiV0FVX3lxTE9IZHhyU1o0TzcwX0lWdTc1TWtYUzA4cWk4ZVZMTUZLZ0ExREhkSkhuQk5PbXdEQzhaZEhCNWtrUDdHZHNRN0lCZjZ0VmN5akQ1ZmRxSlRqcw?oc=5) · TradingView
- 2023-04-20 [SCB wins Money & Banking magazine's Bank of the Year 2023 award - Nation Thailand](https://news.google.com/rss/articles/CBMickFVX3lxTE5VRG5MUjNaYXJac2hFZVRkUE55ZTRKc0J0Rm9XMkMwOHhtcXVfS05MTnlpd05lZ1AzY3Z5Z3FDRkd5a2pwc2lzRjdFd19zWmVRbVdXQ0RydEJETE5YZmdKaG1EQS1LcVlwUHdscW80Um5tdw?oc=5) · Nation Thailand
- 2023-10-30 [Seven defendants wanted in SCB bank, Van Thinh Phat cases - Báo VietNamNet](https://news.google.com/rss/articles/CBMimgFBVV95cUxOYXZhZVNlVHgxR0VmQ1dGSWg0bm9VYjkwNFRYMThHOENqa1dqaERmek5LV21EdGl5R0RUNDlVMy1zS0hhSURuQVJ2YVJYSkpfTERxNFk5eEg1RUdHX1FiQ19qRm5URWRRZGZHUmNMaXJfUVdmLUE5X1pLQks2RGdqV0s0SGk5aUR6dkdQWVcyZmJPSjR1am5pd1dB?oc=5) · Báo VietNamNet
- 2022-10-15 [Central Bank imposes special control on SCB to stabilize its operation - SGGP English Edition](https://news.google.com/rss/articles/CBMirAFBVV95cUxNOG93RFU2WERxR2VYSzViREdiUFlGLXR0dEkweldkV1NHR2V6ZEY0OWxya1lnV251eGJJcDNYWVVrek1hbFlhUUMxLXQ0VzF3aWFnOWlKSWRLT2lpQWZHZndfLUZnOTM0RDJ2cWNSVmxFSTFrZkJycER6cThocVJRZnJ5Uks1OEtDS011OWI1VnpISV9RVWVLd2hLdDZsVmpOMERWQzRoQ0JuWXdG?oc=5) · SGGP English Edition

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29761 (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/1.json (key "29761", 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