BlastPoint's Banking Scorecard
First State Bank of Porter
Porter, IN
3 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 +1.6% year over year ($138.2M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.85%.
- Efficiency ratio 74.69% vs a 64.48% peer average.
- Loan-to-deposit ratio 54.20% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First State Bank of Porter has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 29.0% in tier
- + Nonperforming Asset Ratio 0.67% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.48% below tier average
- - Net Interest Margin 0.49% below tier average
- - Efficiency Ratio 10.21% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$162.3M
+2.9% YoY
+3.9% QoQ
|
-$224.3M |
$386.6M
+1.2% YoY
|
$2.5B
+3.7% YoY
|
$6.3B
+7.7% YoY
|
18% |
| Total Loans ? |
$74.9M
+1.2% YoY
-0.4% QoQ
|
-$183.4M |
$258.3M
+1.7% YoY
|
$1.8B
+5.7% YoY
|
$3.2B
+9.4% YoY
|
Bottom 8.5% in tier |
| Total Deposits ? |
$138.2M
+1.6% YoY
+4.0% QoQ
|
-$188.5M |
$326.7M
+0.7% YoY
|
$2.0B
+3.4% YoY
|
$4.9B
+7.3% YoY
|
18% |
| Return on Assets ? |
0.85%
+6.7% YoY
-0.2% QoQ
|
-0.48% |
1.32%
+10.8% YoY
|
1.07%
+3.3% YoY
|
1.30%
+12.1% YoY
|
26% |
| Net Interest Margin ? |
3.50%
+3.8% YoY
-0.6% QoQ
|
-0.49% |
3.99%
+5.0% YoY
|
3.70%
+8.1% YoY
|
3.95%
+4.9% YoY
|
27% |
| Efficiency Ratio ? |
74.69%
-3.9% YoY
+0.2% QoQ
|
+10.21% |
64.48%
-3.2% YoY
|
77.20%
+13.2% YoY
|
70.05%
+2.5% YoY
|
21% |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-0.92% |
0.92%
+15.7% YoY
|
0.91%
+27.8% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
54.20%
-0.4% YoY
-4.2% QoQ
|
-23.75% |
77.95%
+1.0% YoY
|
81.91%
+1.2% YoY
|
79.03%
+2.3% YoY
|
Top 11.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.31%
+0.6% YoY
+1.7% QoQ
|
-3.72% |
22.03%
-0.6% YoY
|
16.57%
-2.9% YoY
|
21.98%
-0.6% YoY
|
37% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% QoQ
|
-0.67% |
0.67%
+16.4% YoY
|
0.69%
+42.1% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
16.80%
+2.6% YoY
-1.4% QoQ
|
+0.89% |
15.91%
+1.4% YoY
|
16.20%
+1.2% YoY
|
17.09%
+0.8% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.18%
+2.9% YoY
+91.9% QoQ
|
-0.39% |
0.57%
+7.6% YoY
|
1.78%
-1.3% YoY
|
0.66%
+5.2% YoY
|
43% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
18.3%
+0.1pp YoY +0.3pp QoQ |
-3.8pp | 22.1% | 16.8% | 22.2% | 37% |
| 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 |
0.7%
-0.4pp YoY -0.1pp QoQ |
-10.9pp | 11.6% | 11.1% | 12.5% | 3% |
| CRE |
48.1%
+1.4pp YoY -0.7pp QoQ |
+8.6pp | 39.5% | 36.2% | 41.4% | 67% |
| 1-4 Family |
48.3%
-0.8pp YoY +0.7pp QoQ |
+15.6pp | 32.6% | 40.0% | 31.3% | 80% |
| Consumer |
0.4%
0.0pp YoY 0.0pp QoQ |
-3.7pp | 4.1% | 3.2% | 5.0% | 13% |
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 |
16.8%
+0.4pp YoY -0.2pp QoQ |
+4.6pp | 12.2% | 13.0% | 12.6% | 93% |
| 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 |
25
-3 (-10.7%) YoY -1 (-3.8%) QoQ |
-34 | 58 | 237 | 482 | 19% |
| Assets per Employee ($) |
$6.5M
+15.2% YoY +8.0% QoQ |
-$1.0M | $7.5M | $7.5M | $8.8M | 43% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 17 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 0.8% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 6.71x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 42% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.9%
-0.2pp YoY 0.0pp QoQ |
-6.3pp | 12.2% | 11.2% | 11.6% | 16% |
| Cost of Funds (YTD) |
1.3%
-0.1pp YoY 0.0pp QoQ |
-0.4pp | 1.7% | 1.8% | 1.7% | 22% |
| Net Income ($, YTD) |
$672,000
+6.2% YoY — QoQ |
-$1.9M | $2.6M | $16.3M | $40.4M | 15% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.