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The Napoleon State Bank

$100M-$1B Specialty: Agricultural IN FDIC cert 10101

Napoleon, IN

7 branches across IN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 60 in IN.
  • Deposits +3.9% year over year ($440.4M on the books).
  • Delinquency rate 1.12%.
  • Return on assets 1.47%.
  • Efficiency ratio 55.35% vs a 64.48% peer average.
  • Loan-to-deposit ratio 81.85% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 60 in IN
View $100M-$1B leaderboard (IN) →

The Napoleon State Bank has 3 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.14% above tier average
  • + Net Interest Margin 0.43% above tier average
  • + Efficiency Ratio 9.13% below tier average

Key Concerns

Areas that may need attention

  • - Delinquency Rate 0.20% above tier average
Get updates when The Napoleon State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Total Assets ? $499.2M
+4.5% YoY -1.5% QoQ
+$112.6M $386.6M
+1.2% YoY
$2.5B
+3.7% YoY
$6.3B
+7.7% YoY
72%
Total Loans ? $360.5M
+11.4% YoY +4.2% QoQ
+$102.1M $258.3M
+1.7% YoY
$1.8B
+5.7% YoY
$3.2B
+9.4% YoY
75%
Total Deposits ? $440.4M
+3.9% YoY -1.9% QoQ
+$113.7M $326.7M
+0.7% YoY
$2.0B
+3.4% YoY
$4.9B
+7.3% YoY
74%
Return on Assets ? 1.47%
-0.0% YoY -2.0% QoQ
+0.14% 1.32%
+10.8% YoY
1.07%
+3.3% YoY
1.30%
+12.1% YoY
63%
Net Interest Margin ? 4.42%
+1.7% YoY -0.9% QoQ
+0.43% 3.99%
+5.0% YoY
3.70%
+8.1% YoY
3.95%
+4.9% YoY
76%
Efficiency Ratio ? 55.35%
-0.8% YoY -1.1% QoQ
-9.13% 64.48%
-3.2% YoY
77.20%
+13.2% YoY
70.05%
+2.5% YoY
71%
Delinquency Rate ? 1.12%
+278.4% YoY +417.5% QoQ
+0.20% 0.92%
+15.7% YoY
0.91%
+27.8% YoY
0.98%
+16.3% YoY
26%
Loan-to-Deposit Ratio ? 81.85%
+7.2% YoY +6.2% QoQ
+3.89% 77.95%
+1.0% YoY
81.91%
+1.2% YoY
79.03%
+2.3% YoY
46%
Non-Interest-Bearing Deposit Share ? 24.23%
+9.9% YoY -3.1% QoQ
+2.20% 22.03%
-0.6% YoY
16.57%
-2.9% YoY
21.98%
-0.6% YoY
63%
Nonperforming Asset Ratio ? 0.83%
+316.0% YoY +382.0% QoQ
+0.16% 0.67%
+16.4% YoY
0.69%
+42.1% YoY
0.69%
+15.8% YoY
25%
Tier 1 Capital Ratio ? 11.07%
+5.5% YoY +0.5% QoQ
-4.84% 15.91%
+1.4% YoY
16.20%
+1.2% YoY
17.09%
+0.8% YoY
24%
Non-Interest Income / Assets ? 0.23%
+8.7% YoY +113.8% QoQ
-0.34% 0.57%
+7.6% YoY
1.78%
-1.3% YoY
0.66%
+5.2% YoY
58%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Noninterest-Bearing 24.2%
+2.2pp YoY
-0.8pp QoQ
 +2.1pp 22.1% 16.8% 22.2% 63%
Brokered Deposits n/a n/a 7.9% 7.2% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
C&I 8.0%
-1.8pp YoY
-0.5pp QoQ
 -3.5pp 11.6% 11.1% 12.5% 40%
CRE 17.0%
-0.4pp YoY
-0.7pp QoQ
 -22.5pp 39.5% 36.2% 41.4% 13%
1-4 Family 45.4%
+3.9pp YoY
+1.5pp QoQ
 +12.7pp 32.6% 40.0% 31.3% 77%
Consumer 5.2%
-0.6pp YoY
-0.1pp QoQ
 +1.1pp 4.1% 3.2% 5.0% 78%

Capital

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 17.5% 19.7% n/a
Leverage Ratio 11.1%
+0.6pp YoY
+0.1pp QoQ
 -1.1pp 12.2% 13.0% 12.6% 52%
Total Capital Ratio n/a n/a 19.9% 18.7% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Full-Time Employees 82
+5 (+6.5%) YoY
+1 (+1.2%) QoQ
 +23 58 237 482 78%
Assets per Employee ($) $6.1M
-1.8% YoY
-2.7% QoQ
 -$1.4M $7.5M $7.5M $8.8M 35%
Branch Count 7
0 YoY
0 QoQ
 +2 4 17 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 1.1%
+0.9pp YoY
+1.0pp QoQ
 +0.2pp 0.9% 0.8% 1.0% 74%
Allowance Coverage 1.24x
-73.2% YoY
-80.7% QoQ
 -22.92x 24.15x 6.71x 20.23x 33%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 63%

Profitability

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
ROE 13.5%
-0.9pp YoY
-0.4pp QoQ
 +1.3pp 12.2% 11.2% 11.6% 59%
Cost of Funds (YTD) 1.6%
-0.2pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.8% 1.7% 42%
Net Income ($, YTD) $3.6M
+4.7% YoY
— QoQ
 +$1.1M $2.6M $16.3M $40.4M 77%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

642
Net Interest Margin
profitability
Value: 4.42%
Peer Median: 3.99%
#642 of 2643 Top 24.3% in $100M-$1B
657
Total Loans
size
Value: $360.48M
Peer Median: $258.35M
#657 of 2643 Top 24.8% in $100M-$1B

Top Weaknesses (1 metrics)

2002
Tier 1 Capital Ratio
capital
Value: 11.07%
Peer Median: 15.91%
#2002 of 2643 Bottom 24.3% in $100M-$1B
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