BlastPoint's Banking Scorecard
Hendricks County Bank and Trust Company
Brownsburg, IN
5 branches across IN
Hendricks County Bank and Trust Company has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.06% above tier average
- + Delinquency Rate 0.36% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 22.4% in tier
- - ROA 0.70% below tier average
- - Efficiency Ratio 12.90% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$239.9M
+2.4% YoY
+2.0% QoQ
|
-$146.1M |
$386.1M
+0.5% YoY
|
$2.5B
+12.1% YoY
|
$6.2B
+9.1% YoY
|
35% |
| Total Loans ? |
$140.8M
+6.7% YoY
+0.7% QoQ
|
-$115.0M |
$255.7M
+1.1% YoY
|
$1.7B
+14.1% YoY
|
$3.2B
+10.8% YoY
|
33% |
| Total Deposits ? |
$218.9M
+1.5% YoY
+1.9% QoQ
|
-$109.0M |
$328.0M
+0.1% YoY
|
$2.0B
+11.8% YoY
|
$4.8B
+8.2% YoY
|
38% |
| Return on Assets ? |
0.57%
+75.7% YoY
+305.6% QoQ
|
-0.70% |
1.27%
+12.9% YoY
|
0.81%
-6.6% YoY
|
1.23%
+13.4% YoY
|
15% |
| Net Interest Margin ? |
3.99%
+4.9% YoY
-1.8% QoQ
|
+0.06% |
3.93%
+6.0% YoY
|
3.60%
+8.5% YoY
|
3.89%
+5.7% YoY
|
56% |
| Efficiency Ratio ? |
78.18%
-10.3% YoY
-4.4% QoQ
|
+12.90% |
65.29%
-4.5% YoY
|
105.71%
+27.0% YoY
|
66.95%
-4.1% YoY
|
18% |
| Delinquency Rate ? |
0.53%
-55.9% YoY
+86.0% QoQ
|
-0.36% |
0.89%
+18.8% YoY
|
0.90%
+15.9% YoY
|
0.95%
+18.8% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
64.29%
+5.2% YoY
-1.1% QoQ
|
-12.35% |
76.64%
+0.8% YoY
|
81.10%
+0.7% YoY
|
76.70%
+0.9% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
27.17%
-0.7% YoY
-0.5% QoQ
|
+5.15% |
22.02%
-1.0% YoY
|
17.15%
-0.9% YoY
|
22.01%
-1.2% YoY
|
74% |
| Nonperforming Asset Ratio ? |
0.31%
-54.0% YoY
+83.6% QoQ
|
-0.33% |
0.64%
+19.7% YoY
|
0.67%
+21.6% YoY
|
0.67%
+19.3% YoY
|
50% |
| Tier 1 Capital Ratio ? |
10.09%
+3.0% YoY
+2.9% QoQ
|
-5.74% |
15.83%
+1.5% YoY
|
16.04%
+1.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 10.7% in tier |
| Non-Interest Income / Assets ? |
0.10%
+7.2% YoY
-76.5% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
0.79%
-14.5% YoY
|
0.32%
+4.1% YoY
|
54% |
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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.