BlastPoint's Banking Scorecard

First State Bank of Porter

$100M-$1B Specialty: Other IN FDIC cert 12836

Porter, IN

3 branches across IN

2664 banks in the $100M-$1B peer group nationally 60 in IN

First State Bank of Porter has 1 strength but faces 6 concerns

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

+ Delinquency Rate 0.78% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 15.6% in tier
- Credit Quality Pressure: Bottom 17.7% in tier
- Deposit Outflow: Bottom 27.5% in tier
- ROA 0.42% below tier average
- Net Interest Margin 0.41% below tier average
- Efficiency Ratio 9.29% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Total Assets ?	$156.3M -1.3% YoY -1.1% QoQ	-$229.8M	$386.1M +0.5% YoY	$2.5B +12.1% YoY	$6.2B +9.1% YoY	16%
Total Loans ?	$75.2M -0.6% YoY -1.2% QoQ	-$180.5M	$255.7M +1.1% YoY	$1.7B +14.1% YoY	$3.2B +10.8% YoY	Bottom 9.2% in tier
Total Deposits ?	$132.9M -2.9% YoY -1.1% QoQ	-$195.1M	$328.0M +0.1% YoY	$2.0B +11.8% YoY	$4.8B +8.2% YoY	16%
Return on Assets ?	0.85% +17.4% YoY -0.8% QoQ	-0.42%	1.27% +12.9% YoY	0.81% -6.6% YoY	1.23% +13.4% YoY	29%
Net Interest Margin ?	3.52% +6.7% YoY +1.6% QoQ	-0.41%	3.93% +6.0% YoY	3.60% +8.5% YoY	3.89% +5.7% YoY	31%
Efficiency Ratio ?	74.58% -6.3% YoY -0.7% QoQ	+9.29%	65.29% -4.5% YoY	105.71% +27.0% YoY	66.95% -4.1% YoY	23%
Delinquency Rate ?	0.11% -40.3% QoQ	-0.78%	0.89% +18.8% YoY	0.90% +15.9% YoY	0.95% +18.8% YoY	73%
Loan-to-Deposit Ratio ?	56.57% +2.3% YoY -0.1% QoQ	-20.06%	76.64% +0.8% YoY	81.10% +0.7% YoY	76.70% +0.9% YoY	85%
Non-Interest-Bearing Deposit Share ?	18.00% -6.0% YoY -1.9% QoQ	-4.02%	22.02% -1.0% YoY	17.15% -0.9% YoY	22.01% -1.2% YoY	36%
Nonperforming Asset Ratio ?	0.05% -40.3% QoQ	-0.59%	0.64% +19.7% YoY	0.67% +21.6% YoY	0.67% +19.3% YoY	77%
Tier 1 Capital Ratio ?	17.05% +6.2% YoY +3.1% QoQ	+1.22%	15.83% +1.5% YoY	16.04% +1.8% YoY	17.06% +0.8% YoY	77%
Non-Interest Income / Assets ?	0.09% +8.8% YoY -73.6% QoQ	-0.19%	0.28% +9.3% YoY	0.79% -14.5% YoY	0.32% +4.1% YoY	47%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (3)

Flatlined Growth

risk

#81 of 512 • Bottom 15.6% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.85%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ

Credit Quality Pressure

risk

#232 of 1308 • Bottom 17.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.11%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Deposit Outflow

decline

#140 of 506 • Bottom 27.5% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank declining

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

401

Loan-to-Deposit Ratio

liquidity

Value: 56.57%

Peer Median: 76.64%

#401 of 2664 Top 15.0% in $100M-$1B

604

Nonperforming Asset Ratio

credit_quality

Value: 0.05%

Peer Median: 0.64%

#604 of 2664 Top 22.6% in $100M-$1B

612

Tier 1 Capital Ratio

capital

Value: 17.05%

Peer Median: 15.83%

#612 of 2664 Top 22.9% in $100M-$1B

Top Weaknesses (4 metrics)

2420

Total Loans

size

Value: $75.19M

Peer Median: $255.72M

#2420 of 2664 Bottom 9.2% in $100M-$1B

2234

Total Assets

size

Value: $156.26M

Peer Median: $386.08M

#2234 of 2664 Bottom 16.2% in $100M-$1B

2232

Total Deposits

size

Value: $132.90M

Peer Median: $327.97M

#2232 of 2664 Bottom 16.3% in $100M-$1B

2051

Efficiency Ratio

profitability

Value: 74.58%

Peer Median: 65.29%

#2051 of 2664 Bottom 23.0% in $100M-$1B