BlastPoint's Banking Scorecard
Kentland Bank
Kentland, 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 +4.2% year over year ($321.9M on the books).
- Delinquency rate 0.57%.
- Return on assets 1.53%.
- Efficiency ratio 50.25% vs a 64.48% peer average.
- Loan-to-deposit ratio 87.90% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Kentland Bank shows strong momentum with 4 strengths and 6.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.21% above tier average
- + Net Interest Margin 0.52% above tier average
- + Efficiency Ratio 14.23% below tier average
- + Delinquency Rate 0.35% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$419.4M
+6.8% YoY
+4.3% QoQ
|
+$32.8M |
$386.6M
+1.2% YoY
|
$2.5B
+3.7% YoY
|
$6.3B
+7.7% YoY
|
64% |
| Total Loans ? |
$282.9M
+11.6% YoY
+6.9% QoQ
|
+$24.6M |
$258.3M
+1.7% YoY
|
$1.8B
+5.7% YoY
|
$3.2B
+9.4% YoY
|
64% |
| Total Deposits ? |
$321.9M
+4.2% YoY
+3.5% QoQ
|
-$4.9M |
$326.7M
+0.7% YoY
|
$2.0B
+3.4% YoY
|
$4.9B
+7.3% YoY
|
58% |
| Return on Assets ? |
1.53%
+20.6% YoY
+12.3% QoQ
|
+0.21% |
1.32%
+10.8% YoY
|
1.07%
+3.3% YoY
|
1.30%
+12.1% YoY
|
67% |
| Net Interest Margin ? |
4.51%
+9.2% YoY
+2.0% QoQ
|
+0.52% |
3.99%
+5.0% YoY
|
3.70%
+8.1% YoY
|
3.95%
+4.9% YoY
|
80% |
| Efficiency Ratio ? |
50.25%
-14.5% YoY
-6.8% QoQ
|
-14.23% |
64.48%
-3.2% YoY
|
77.20%
+13.2% YoY
|
70.05%
+2.5% YoY
|
83% |
| Delinquency Rate ? |
0.57%
-18.8% YoY
-3.6% QoQ
|
-0.35% |
0.92%
+15.7% YoY
|
0.91%
+27.8% YoY
|
0.98%
+16.3% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
87.90%
+7.0% YoY
+3.3% QoQ
|
+9.95% |
77.95%
+1.0% YoY
|
81.91%
+1.2% YoY
|
79.03%
+2.3% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
27.59%
+16.0% YoY
+16.8% QoQ
|
+5.56% |
22.03%
-0.6% YoY
|
16.57%
-2.9% YoY
|
21.98%
-0.6% YoY
|
75% |
| Nonperforming Asset Ratio ? |
1.52%
+159.8% YoY
-3.4% QoQ
|
+0.85% |
0.67%
+16.4% YoY
|
0.69%
+42.1% YoY
|
0.69%
+15.8% YoY
|
Bottom 11.8% in tier |
| Tier 1 Capital Ratio ? |
12.54%
-0.9% YoY
+3.8% QoQ
|
-3.36% |
15.91%
+1.4% YoY
|
16.20%
+1.2% YoY
|
17.09%
+0.8% YoY
|
42% |
| Non-Interest Income / Assets ? |
0.15%
-0.1% YoY
+84.6% QoQ
|
-0.41% |
0.57%
+7.6% YoY
|
1.78%
-1.3% YoY
|
0.66%
+5.2% YoY
|
36% |
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 |
27.6%
+3.8pp YoY +4.0pp QoQ |
+5.4pp | 22.1% | 16.8% | 22.2% | 75% |
| Brokered Deposits |
5.9%
+2.7pp YoY +1.4pp QoQ |
-1.9pp | 7.9% | 7.2% | 8.5% | 58% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
12.3%
-3.5pp YoY -3.4pp QoQ |
+0.8pp | 11.6% | 11.1% | 12.5% | 65% |
| CRE |
38.9%
-1.4pp YoY -2.7pp QoQ |
-0.6pp | 39.5% | 36.2% | 41.4% | 51% |
| 1-4 Family |
18.2%
+1.4pp YoY +3.0pp QoQ |
-14.4pp | 32.6% | 40.0% | 31.3% | 26% |
| Consumer |
0.6%
-0.3pp YoY 0.0pp QoQ |
-3.5pp | 4.1% | 3.2% | 5.0% | 18% |
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 |
12.5%
-0.1pp YoY +0.5pp QoQ |
+0.4pp | 12.2% | 13.0% | 12.6% | 70% |
| 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 |
59
-3 (-4.8%) YoY 0 QoQ |
+0 | 58 | 237 | 482 | 62% |
| Assets per Employee ($) |
$7.1M
+12.2% YoY +4.3% QoQ |
-$410K | $7.5M | $7.5M | $8.8M | 54% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 17 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.2pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.2% | 0.4% | 29% |
| Nonaccrual |
0.5%
0.0pp YoY 0.0pp QoQ |
-0.4pp | 0.9% | 0.8% | 1.0% | 55% |
| Allowance Coverage |
2.99x
+47.6% YoY +3.3% QoQ |
-21.17x | 24.15x | 6.71x | 20.23x | 58% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 39% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.8%
+2.0pp YoY +1.4pp QoQ |
+1.6pp | 12.2% | 11.2% | 11.6% | 61% |
| Cost of Funds (YTD) |
1.9%
0.0pp YoY 0.0pp QoQ |
+0.2pp | 1.7% | 1.8% | 1.7% | 65% |
| Net Income ($, YTD) |
$3.1M
+27.5% YoY — QoQ |
+$574K | $2.6M | $16.3M | $40.4M | 71% |
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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.