BlastPoint's Banking Scorecard

Kentland Bank

$100M-$1B Specialty: Agricultural IN FDIC cert 13843

Kentland, IN

5 branches across IN

2664 banks in the $100M-$1B peer group nationally 60 in IN

Kentland Bank demonstrates 4 strengths

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

+ ROA 0.09% above tier average
+ Net Interest Margin 0.49% above tier average
+ Efficiency Ratio 11.39% below tier average
+ Delinquency Rate 0.30% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Total Assets ?	$402.2M +3.3% YoY -1.1% QoQ	+$16.1M	$386.1M +0.5% YoY	$2.5B +12.1% YoY	$6.2B +9.1% YoY	61%
Total Loans ?	$264.6M +7.5% YoY -2.8% QoQ	+$8.9M	$255.7M +1.1% YoY	$1.7B +14.1% YoY	$3.2B +10.8% YoY	62%
Total Deposits ?	$311.0M -0.3% YoY +0.1% QoQ	-$17.0M	$328.0M +0.1% YoY	$2.0B +11.8% YoY	$4.8B +8.2% YoY	56%
Return on Assets ?	1.36% +16.8% YoY +7.2% QoQ	+0.09%	1.27% +12.9% YoY	0.81% -6.6% YoY	1.23% +13.4% YoY	59%
Net Interest Margin ?	4.42% +9.1% YoY +3.1% QoQ	+0.49%	3.93% +6.0% YoY	3.60% +8.5% YoY	3.89% +5.7% YoY	79%
Efficiency Ratio ?	53.90% -12.3% YoY -2.5% QoQ	-11.39%	65.29% -4.5% YoY	105.71% +27.0% YoY	66.95% -4.1% YoY	76%
Delinquency Rate ?	0.59% -22.2% YoY -72.9% QoQ	-0.30%	0.89% +18.8% YoY	0.90% +15.9% YoY	0.95% +18.8% YoY	41%
Loan-to-Deposit Ratio ?	85.10% +7.8% YoY -2.9% QoQ	+8.46%	76.64% +0.8% YoY	81.10% +0.7% YoY	76.70% +0.9% YoY	35%
Non-Interest-Bearing Deposit Share ?	23.62% -9.0% YoY +0.5% QoQ	+1.60%	22.02% -1.0% YoY	17.15% -0.9% YoY	22.01% -1.2% YoY	61%
Nonperforming Asset Ratio ?	1.57% +156.5% YoY +0.6% QoQ	+0.93%	0.64% +19.7% YoY	0.67% +21.6% YoY	0.67% +19.3% YoY	Bottom 10.7% in tier
Tier 1 Capital Ratio ?	12.08% -2.5% YoY +2.8% QoQ	-3.75%	15.83% +1.5% YoY	16.04% +1.8% YoY	17.06% +0.8% YoY	36%
Non-Interest Income / Assets ?	0.08% +7.8% YoY -74.2% QoQ	-0.20%	0.28% +9.3% YoY	0.79% -14.5% YoY	0.32% +4.1% YoY	41%

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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 (0)

No matched concern signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (2 metrics)

569

Net Interest Margin

profitability

Value: 4.42%

Peer Median: 3.93%

#569 of 2664 Top 21.3% in $100M-$1B

631

Efficiency Ratio

profitability

Value: 53.90%

Peer Median: 65.29%

#631 of 2664 Top 23.6% in $100M-$1B

Top Weaknesses (1 metrics)

2379

Nonperforming Asset Ratio

credit_quality

Value: 1.57%

Peer Median: 0.64%

#2379 of 2664 Bottom 10.7% in $100M-$1B