BlastPoint's Banking Scorecard

Jackson County Bank

$1B-$10B Specialty: Commercial IN FDIC cert 13109

Designations: ✓ Community bank

Seymour, IN

15 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 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in IN.
Deposits +5.5% year over year ($894.8M on the books).
Delinquency rate 0.56%.
Return on assets 0.78%.
Efficiency ratio 72.59% vs a 59.73% peer average.
Loan-to-deposit ratio 100.40% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 16 in IN

View $1B-$10B leaderboard (IN) →

Jackson County Bank has 1 strength but faces 4 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 0.31% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 24.4% in tier
- ROA 0.61% below tier average
- Net Interest Margin 0.36% below tier average
- Efficiency Ratio 12.86% above tier average

Get updates when Jackson County 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 ?	$1.1B +6.7% YoY +2.7% QoQ	-$1.7B	$2.8B -0.6% YoY	$2.5B +3.7% YoY	$6.3B +7.7% YoY	Bottom 10.6% in tier
Total Loans ?	$898.4M +5.9% YoY +1.5% QoQ	-$1.1B	$2.0B -0.3% YoY	$1.8B +5.7% YoY	$3.2B +9.4% YoY	24%
Total Deposits ?	$894.8M +5.5% YoY +4.1% QoQ	-$1.4B	$2.3B -0.5% YoY	$2.0B +3.4% YoY	$4.9B +7.3% YoY	Bottom 7.3% in tier
Return on Assets ?	0.78% -5.6% YoY +6.2% QoQ	-0.61%	1.39% +17.0% YoY	1.07% +3.3% YoY	1.30% +12.1% YoY	18%
Net Interest Margin ?	3.51% +2.8% YoY +0.6% QoQ	-0.36%	3.87% +6.2% YoY	3.70% +8.1% YoY	3.95% +4.9% YoY	37%
Efficiency Ratio ?	72.59% -0.2% YoY -0.1% QoQ	+12.86%	59.73% -12.6% YoY	77.20% +13.2% YoY	70.05% +2.5% YoY	17%
Delinquency Rate ?	0.56% +18.3% YoY -11.2% QoQ	-0.31%	0.87% +11.7% YoY	0.91% +27.8% YoY	0.98% +16.3% YoY	48%
Loan-to-Deposit Ratio ?	100.40% +0.3% YoY -2.5% QoQ	+15.37%	85.04% -0.1% YoY	81.91% +1.2% YoY	79.03% +2.3% YoY	Bottom 13.3% in tier
Non-Interest-Bearing Deposit Share ?	17.26% +4.7% YoY -6.5% QoQ	-4.02%	21.27% -1.5% YoY	16.57% -2.9% YoY	21.98% -0.6% YoY	36%
Nonperforming Asset Ratio ?	0.60% +55.7% YoY +16.5% QoQ	-0.07%	0.67% +11.7% YoY	0.69% +42.1% YoY	0.69% +15.8% YoY	37%
Tier 1 Capital Ratio ?	10.97% +1.9% YoY -1.3% QoQ	-3.87%	14.84% -0.4% YoY	16.20% +1.2% YoY	17.09% +0.8% YoY	18%
Non-Interest Income / Assets ?	0.60% +1.2% YoY +106.4% QoQ	+0.08%	0.53% +2.5% YoY	1.78% -1.3% YoY	0.66% +5.2% YoY	Top 13.4% in tier

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	17.3% +0.8pp YoY -1.2pp QoQ	-4.1pp	21.4%	16.8%	22.2%	35%
Brokered Deposits	n/a	n/a	9.5%	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	6.7% +0.2pp YoY +0.2pp QoQ	-7.3pp	14.0%	11.1%	12.5%	27%
CRE	47.2% -2.7pp YoY +0.2pp QoQ	-2.8pp	50.0%	36.2%	41.4%	42%
1-4 Family	43.9% +3.0pp YoY -0.1pp QoQ	+17.5pp	26.4%	40.0%	31.3%	85%
Consumer	0.8% -0.1pp YoY 0.0pp QoQ	-3.9pp	4.7%	3.2%	5.0%	39%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
CET1 Ratio	11.0% +0.2pp YoY -0.1pp QoQ	-4.6pp	15.6%	17.5%	19.7%	9%
Leverage Ratio	8.5% 0.0pp YoY -0.1pp QoQ	-2.9pp	11.3%	13.0%	12.6%	5%
Total Capital Ratio	12.2% +0.3pp YoY -0.1pp QoQ	-4.5pp	16.7%	18.7%	20.8%	12%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Full-Time Employees	186 +9 (+5.1%) YoY +12 (+6.9%) QoQ	-128	313	237	482	36%
Assets per Employee ($)	$6.0M +1.6% YoY -3.9% QoQ	-$4.5M	$10.5M	$7.5M	$8.8M	12%
Branch Count	15 +1 (+7.1%) YoY +1 (+7.1%) QoQ	-5	20	17	18	50%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.2%	0.4%	n/a
Nonaccrual	0.6% +0.1pp YoY -0.1pp QoQ	-0.3pp	0.8%	0.8%	1.0%	53%
Allowance Coverage	1.99x -4.8% YoY +17.8% QoQ	-16.72x	18.71x	6.71x	20.23x	49%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	15%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
ROE	9.4% -0.7pp YoY +0.6pp QoQ	-3.2pp	12.6%	11.2%	11.6%	28%
Cost of Funds (YTD)	2.2% 0.0pp YoY 0.0pp QoQ	+0.3pp	1.9%	1.8%	1.7%	73%
Net Income ($, YTD)	$4.2M +0.5% YoY — QoQ	-$15.0M	$19.2M	$16.3M	$40.4M	8%

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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 (1)

Credit Risk Growth

risk

#99 of 402 • Bottom 24.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

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 885 peers in $1B-$10B

Top Strengths (1 metrics)

120

Non-Interest Income / Assets

revenue_mix

Value: 0.60%

Peer Median: 0.53%

#120 of 885 Top 13.4% in $1B-$10B

Top Weaknesses (7 metrics)

821

Total Deposits

size

Value: $894.81M

Peer Median: $2.32B

#821 of 885 Bottom 7.3% in $1B-$10B

792

Total Assets

size

Value: $1.11B

Peer Median: $2.79B

#792 of 885 Bottom 10.6% in $1B-$10B

768

Loan-to-Deposit Ratio

liquidity

Value: 100.40%

Peer Median: 85.04%

#768 of 885 Bottom 13.3% in $1B-$10B

738

Efficiency Ratio

profitability

Value: 72.59%

Peer Median: 59.73%

#738 of 885 Bottom 16.7% in $1B-$10B

731

Return on Assets

profitability

Value: 0.78%

Peer Median: 1.39%

#731 of 885 Bottom 17.5% in $1B-$10B

728

Tier 1 Capital Ratio

capital

Value: 10.97%

Peer Median: 14.84%

#728 of 885 Bottom 17.9% in $1B-$10B

673

Total Loans

size

Value: $898.41M

Peer Median: $1.96B

#673 of 885 Bottom 24.1% in $1B-$10B