BlastPoint's Banking Scorecard
Hendricks County Bank and Trust Company
Brownsburg, IN
5 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 +7.1% year over year ($226.3M on the books).
- Delinquency rate 0.49%.
- Return on assets 0.66%.
- Efficiency ratio 76.80% vs a 64.48% peer average.
- Loan-to-deposit ratio 66.54% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Hendricks County Bank and Trust Company has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.15% above tier average
- + Delinquency Rate 0.43% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.66% below tier average
- - Efficiency Ratio 12.32% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$247.4M
+7.6% YoY
+3.1% QoQ
|
-$139.1M |
$386.6M
+1.2% YoY
|
$2.5B
+3.7% YoY
|
$6.3B
+7.7% YoY
|
36% |
| Total Loans ? |
$150.6M
+13.1% YoY
+7.0% QoQ
|
-$107.8M |
$258.3M
+1.7% YoY
|
$1.8B
+5.7% YoY
|
$3.2B
+9.4% YoY
|
35% |
| Total Deposits ? |
$226.3M
+7.1% YoY
+3.3% QoQ
|
-$100.5M |
$326.7M
+0.7% YoY
|
$2.0B
+3.4% YoY
|
$4.9B
+7.3% YoY
|
40% |
| Return on Assets ? |
0.66%
+16.1% QoQ
|
-0.66% |
1.32%
+10.8% YoY
|
1.07%
+3.3% YoY
|
1.30%
+12.1% YoY
|
17% |
| Net Interest Margin ? |
4.14%
+6.2% YoY
+3.6% QoQ
|
+0.15% |
3.99%
+5.0% YoY
|
3.70%
+8.1% YoY
|
3.95%
+4.9% YoY
|
61% |
| Efficiency Ratio ? |
76.80%
-9.0% YoY
-1.8% QoQ
|
+12.32% |
64.48%
-3.2% YoY
|
77.20%
+13.2% YoY
|
70.05%
+2.5% YoY
|
18% |
| Delinquency Rate ? |
0.49%
-22.4% YoY
-6.5% QoQ
|
-0.43% |
0.92%
+15.7% YoY
|
0.91%
+27.8% YoY
|
0.98%
+16.3% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
66.54%
+5.6% YoY
+3.5% QoQ
|
-11.41% |
77.95%
+1.0% YoY
|
81.91%
+1.2% YoY
|
79.03%
+2.3% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
26.62%
+2.2% YoY
-2.0% QoQ
|
+4.59% |
22.03%
-0.6% YoY
|
16.57%
-2.9% YoY
|
21.98%
-0.6% YoY
|
72% |
| Nonperforming Asset Ratio ? |
0.30%
-18.4% YoY
-3.0% QoQ
|
-0.37% |
0.67%
+16.4% YoY
|
0.69%
+42.1% YoY
|
0.69%
+15.8% YoY
|
52% |
| Tier 1 Capital Ratio ? |
9.96%
+1.3% YoY
-1.3% QoQ
|
-5.95% |
15.91%
+1.4% YoY
|
16.20%
+1.2% YoY
|
17.09%
+0.8% YoY
|
Bottom 10.0% in tier |
| Non-Interest Income / Assets ? |
0.22%
+5.7% YoY
+110.8% QoQ
|
-0.35% |
0.57%
+7.6% YoY
|
1.78%
-1.3% YoY
|
0.66%
+5.2% YoY
|
55% |
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 |
26.6%
+0.6pp YoY -0.5pp QoQ |
+4.5pp | 22.1% | 16.8% | 22.2% | 72% |
| 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 |
9.6%
-1.0pp YoY -1.2pp QoQ |
-1.9pp | 11.6% | 11.1% | 12.5% | 50% |
| CRE |
48.8%
-0.5pp YoY +0.4pp QoQ |
+9.3pp | 39.5% | 36.2% | 41.4% | 68% |
| 1-4 Family |
37.2%
+1.0pp YoY -0.8pp QoQ |
+4.6pp | 32.6% | 40.0% | 31.3% | 66% |
| Consumer |
1.7%
-0.4pp YoY -0.2pp QoQ |
-2.4pp | 4.1% | 3.2% | 5.0% | 43% |
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 |
10.0%
+0.1pp YoY -0.1pp QoQ |
-2.2pp | 12.2% | 13.0% | 12.6% | 30% |
| 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 |
48
+1 (+2.1%) YoY +1 (+2.1%) QoQ |
-11 | 58 | 237 | 482 | 50% |
| Assets per Employee ($) |
$5.2M
+5.3% YoY +1.0% QoQ |
-$2.4M | $7.5M | $7.5M | $8.8M | 17% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 17 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.5%
-0.1pp YoY 0.0pp QoQ |
-0.4pp | 0.9% | 0.8% | 1.0% | 52% |
| Allowance Coverage |
2.51x
+29.7% YoY +1.7% QoQ |
-21.64x | 24.15x | 6.71x | 20.23x | 54% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.9pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 9% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.9%
+7.1pp YoY +1.1pp QoQ |
-4.3pp | 12.2% | 11.2% | 11.6% | 25% |
| Cost of Funds (YTD) |
1.4%
+0.1pp YoY 0.0pp QoQ |
-0.4pp | 1.7% | 1.8% | 1.7% | 27% |
| Net Income ($, YTD) |
$798,000
+1109.1% YoY — QoQ |
-$1.8M | $2.6M | $16.3M | $40.4M | 20% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.