BlastPoint's Banking Scorecard
Jackson County Bank
Designations: ✓ Community bank
Seymour, IN
15 branches across IN
Jackson County Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.26% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 39.8% in tier
- - Loan-to-Deposit Ratio 18.76% above tier average
- - ROA 0.63% below tier average
- - Net Interest Margin 0.33% below tier average
- - Efficiency Ratio 11.60% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+4.3% YoY
+1.4% QoQ
|
-$1.7B |
$2.8B
-0.1% YoY
|
$2.5B
+12.1% YoY
|
$6.2B
+9.1% YoY
|
Bottom 8.3% in tier |
| Total Loans ? |
$884.7M
+7.8% YoY
+1.7% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$1.7B
+14.1% YoY
|
$3.2B
+10.8% YoY
|
22% |
| Total Deposits ? |
$859.3M
+1.5% YoY
+2.0% QoQ
|
-$1.5B |
$2.3B
-0.3% YoY
|
$2.0B
+11.8% YoY
|
$4.8B
+8.2% YoY
|
Bottom 4.4% in tier |
| Return on Assets ? |
0.73%
-12.2% YoY
-13.5% QoQ
|
-0.63% |
1.37%
+19.6% YoY
|
0.81%
-6.6% YoY
|
1.23%
+13.4% YoY
|
18% |
| Net Interest Margin ? |
3.49%
+4.3% YoY
+0.6% QoQ
|
-0.33% |
3.82%
+6.9% YoY
|
3.60%
+8.5% YoY
|
3.89%
+5.7% YoY
|
40% |
| Efficiency Ratio ? |
72.66%
-1.8% YoY
-0.4% QoQ
|
+11.60% |
61.06%
-4.6% YoY
|
105.71%
+27.0% YoY
|
66.95%
-4.1% YoY
|
18% |
| Delinquency Rate ? |
0.63%
+98.0% YoY
+1.9% QoQ
|
-0.26% |
0.89%
+14.1% YoY
|
0.90%
+15.9% YoY
|
0.95%
+18.8% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
102.96%
+6.2% YoY
-0.3% QoQ
|
+18.76% |
84.20%
+0.3% YoY
|
81.10%
+0.7% YoY
|
76.70%
+0.9% YoY
|
Bottom 8.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.45%
+8.4% YoY
+9.1% QoQ
|
-2.84% |
21.29%
-2.5% YoY
|
17.15%
-0.9% YoY
|
22.01%
-1.2% YoY
|
42% |
| Nonperforming Asset Ratio ? |
0.51%
+104.8% YoY
+2.2% QoQ
|
-0.16% |
0.67%
+15.6% YoY
|
0.67%
+21.6% YoY
|
0.67%
+19.3% YoY
|
44% |
| Tier 1 Capital Ratio ? |
11.11%
-0.5% YoY
+1.9% QoQ
|
-4.05% |
15.16%
+2.0% YoY
|
16.04%
+1.8% YoY
|
17.06%
+0.8% YoY
|
18% |
| Non-Interest Income / Assets ? |
0.29%
+2.4% YoY
-75.7% QoQ
|
+0.03% |
0.26%
+1.6% YoY
|
0.79%
-14.5% YoY
|
0.32%
+4.1% YoY
|
Top 14.1% in tier |
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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 (0)
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.