BlastPoint's Banking Scorecard

The New Washington State Bank

$100M-$1B Specialty: Commercial IN FDIC cert 13305

New Washington, IN

12 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 +22.4% year over year ($721.6M on the books).
Delinquency rate 0.84%.
Return on assets 0.93%.
Efficiency ratio 70.00% vs a 64.48% peer average.
Loan-to-deposit ratio 72.98% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 60 in IN

View $100M-$1B leaderboard (IN) →

The New Washington State 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 0.08% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 38.1% in tier
- ROA 0.39% below tier average
- Net Interest Margin 0.10% below tier average
- Efficiency Ratio 5.52% above tier average

Get updates when The New Washington State 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 ?	$798.1M +23.8% YoY +3.8% QoQ	+$411.5M	$386.6M +1.2% YoY	$2.5B +3.7% YoY	$6.3B +7.7% YoY	Top 8.1% in tier
Total Loans ?	$526.6M +22.1% YoY +3.5% QoQ	+$268.2M	$258.3M +1.7% YoY	$1.8B +5.7% YoY	$3.2B +9.4% YoY	Top 9.5% in tier
Total Deposits ?	$721.6M +22.4% YoY +4.7% QoQ	+$394.8M	$326.7M +0.7% YoY	$2.0B +3.4% YoY	$4.9B +7.3% YoY	Top 5.5% in tier
Return on Assets ?	0.93% +40.0% YoY +4.3% QoQ	-0.39%	1.32% +10.8% YoY	1.07% +3.3% YoY	1.30% +12.1% YoY	30%
Net Interest Margin ?	3.89% +4.9% YoY +0.9% QoQ	-0.10%	3.99% +5.0% YoY	3.70% +8.1% YoY	3.95% +4.9% YoY	47%
Efficiency Ratio ?	70.00% -3.1% YoY -1.9% QoQ	+5.52%	64.48% -3.2% YoY	77.20% +13.2% YoY	70.05% +2.5% YoY	30%
Delinquency Rate ?	0.84% +12.7% YoY +195.9% QoQ	-0.08%	0.92% +15.7% YoY	0.91% +27.8% YoY	0.98% +16.3% YoY	33%
Loan-to-Deposit Ratio ?	72.98% -0.2% YoY -1.2% QoQ	-4.97%	77.95% +1.0% YoY	81.91% +1.2% YoY	79.03% +2.3% YoY	64%
Non-Interest-Bearing Deposit Share ?	18.94% -10.2% YoY -6.7% QoQ	-3.09%	22.03% -0.6% YoY	16.57% -2.9% YoY	21.98% -0.6% YoY	40%
Nonperforming Asset Ratio ?	0.88% +75.5% YoY +68.1% QoQ	+0.21%	0.67% +16.4% YoY	0.69% +42.1% YoY	0.69% +15.8% YoY	23%
Tier 1 Capital Ratio ?	9.33% -3.0% YoY -4.5% QoQ	-6.58%	15.91% +1.4% YoY	16.20% +1.2% YoY	17.09% +0.8% YoY	Bottom 3.3% in tier
Non-Interest Income / Assets ?	0.23% -3.8% YoY +123.6% QoQ	-0.33%	0.57% +7.6% YoY	1.78% -1.3% YoY	0.66% +5.2% YoY	60%

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	18.9% -2.1pp YoY -1.4pp QoQ	-3.2pp	22.1%	16.8%	22.2%	40%
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	15.6% -1.4pp YoY +0.4pp QoQ	+4.0pp	11.6%	11.1%	12.5%	78%
CRE	44.1% -0.2pp YoY -0.6pp QoQ	+4.5pp	39.5%	36.2%	41.4%	60%
1-4 Family	27.9% +4.6pp YoY +0.9pp QoQ	-4.8pp	32.6%	40.0%	31.3%	46%
Consumer	6.9% -2.7pp YoY -0.7pp QoQ	+2.8pp	4.1%	3.2%	5.0%	85%

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	9.3% -0.3pp YoY -0.4pp QoQ	-2.8pp	12.2%	13.0%	12.6%	18%
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	129 +26 (+25.2%) YoY +7 (+5.7%) QoQ	+70	58	237	482	95%
Assets per Employee ($)	$6.2M -1.2% YoY -1.9% QoQ	-$1.3M	$7.5M	$7.5M	$8.8M	37%
Branch Count	12 +2 (+20.0%) YoY 0 QoQ	+7	4	17	18	95%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Past Due 90+ Days	0.2% +0.2pp YoY +0.2pp QoQ	-0.1pp	0.3%	0.2%	0.4%	64%
Nonaccrual	0.7% -0.1pp YoY +0.4pp QoQ	-0.3pp	0.9%	0.8%	1.0%	60%
Allowance Coverage	1.51x +2.4% YoY -66.6% QoQ	-22.65x	24.15x	6.71x	20.23x	39%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	72%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
ROE	10.2% +1.7pp YoY +0.6pp QoQ	-2.0pp	12.2%	11.2%	11.6%	38%
Cost of Funds (YTD)	1.8% 0.0pp YoY 0.0pp QoQ	+0.1pp	1.7%	1.8%	1.7%	59%
Net Income ($, YTD)	$3.6M +77.1% YoY — QoQ	+$1.1M	$2.6M	$16.3M	$40.4M	77%

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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 Quality Pressure

risk

#479 of 1256 • Bottom 38.1% in tier

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

Why this signature

Delinquency Rate: 0.84%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

146

Total Deposits

size

Value: $721.58M

Peer Median: $326.73M

#146 of 2643 Top 5.5% in $100M-$1B

216

Total Assets

size

Value: $798.10M

Peer Median: $386.57M

#216 of 2643 Top 8.1% in $100M-$1B

251

Total Loans

size

Value: $526.59M

Peer Median: $258.35M

#251 of 2643 Top 9.5% in $100M-$1B

Top Weaknesses (2 metrics)

2558

Tier 1 Capital Ratio

capital

Value: 9.33%

Peer Median: 15.91%

#2558 of 2643 Bottom 3.3% in $100M-$1B

2023

Nonperforming Asset Ratio

credit_quality

Value: 0.88%

Peer Median: 0.67%

#2023 of 2643 Bottom 23.5% in $100M-$1B