BlastPoint

BlastPoint's Banking Scorecard

The Peoples State Bank

$100M-$1B Specialty: Commercial IN FDIC cert 14113

Ellettsville, IN

15 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 +9.4% year over year ($444.3M on the books).
  • Delinquency rate 0.19%.
  • Return on assets 1.48%.
  • Efficiency ratio 64.53% vs a 64.48% peer average.
  • Loan-to-deposit ratio 61.79% 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 Peoples State Bank has 2 strengths but faces 1 concern

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 0.16% above tier average
  • + Delinquency Rate 0.73% below tier average

Key Concerns

Areas that may need attention

  • - Net Interest Margin 0.26% below tier average
Get updates when The Peoples 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 ? $506.6M
+9.0% YoY +3.9% QoQ
+$120.1M $386.6M
+1.2% YoY
$2.5B
+3.7% YoY
$6.3B
+7.7% YoY
72%
Total Loans ? $274.6M
+7.2% YoY +1.5% QoQ
+$16.2M $258.3M
+1.7% YoY
$1.8B
+5.7% YoY
$3.2B
+9.4% YoY
63%
Total Deposits ? $444.3M
+9.4% YoY +4.3% QoQ
+$117.6M $326.7M
+0.7% YoY
$2.0B
+3.4% YoY
$4.9B
+7.3% YoY
74%
Return on Assets ? 1.48%
+40.0% YoY +8.5% QoQ
+0.16% 1.32%
+10.8% YoY
1.07%
+3.3% YoY
1.30%
+12.1% YoY
64%
Net Interest Margin ? 3.73%
+11.8% YoY +0.2% QoQ
-0.26% 3.99%
+5.0% YoY
3.70%
+8.1% YoY
3.95%
+4.9% YoY
38%
Efficiency Ratio ? 64.53%
-9.8% YoY -2.6% QoQ
+0.05% 64.48%
-3.2% YoY
77.20%
+13.2% YoY
70.05%
+2.5% YoY
44%
Delinquency Rate ? 0.19%
-25.9% YoY +3.0% QoQ
-0.73% 0.92%
+15.7% YoY
0.91%
+27.8% YoY
0.98%
+16.3% YoY
66%
Loan-to-Deposit Ratio ? 61.79%
-2.0% YoY -2.7% QoQ
-16.16% 77.95%
+1.0% YoY
81.91%
+1.2% YoY
79.03%
+2.3% YoY
81%
Non-Interest-Bearing Deposit Share ? 21.58%
+7.7% YoY -1.3% QoQ
-0.45% 22.03%
-0.6% YoY
16.57%
-2.9% YoY
21.98%
-0.6% YoY
53%
Nonperforming Asset Ratio ? 0.10%
-27.1% YoY +0.6% QoQ
-0.56% 0.67%
+16.4% YoY
0.69%
+42.1% YoY
0.69%
+15.8% YoY
71%
Tier 1 Capital Ratio ? 10.47%
-0.4% YoY -2.4% QoQ
-5.44% 15.91%
+1.4% YoY
16.20%
+1.2% YoY
17.09%
+0.8% YoY
16%
Non-Interest Income / Assets ? 0.36%
+12.2% YoY +119.0% QoQ
-0.21% 0.57%
+7.6% YoY
1.78%
-1.3% YoY
0.66%
+5.2% YoY
81%

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 21.6%
+1.5pp YoY
-0.3pp QoQ
 -0.6pp 22.1% 16.8% 22.2% 52%
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 7.9%
+0.9pp YoY
+0.6pp QoQ
 -3.7pp 11.6% 11.1% 12.5% 39%
CRE 52.5%
-1.8pp YoY
-0.4pp QoQ
 +13.0pp 39.5% 36.2% 41.4% 74%
1-4 Family 35.6%
+1.1pp YoY
-0.5pp QoQ
 +3.0pp 32.6% 40.0% 31.3% 63%
Consumer 1.2%
-0.1pp YoY
-0.1pp QoQ
 -2.9pp 4.1% 3.2% 5.0% 33%

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 10.5%
0.0pp YoY
-0.3pp QoQ
 -1.7pp 12.2% 13.0% 12.6% 40%
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 94
-1 (-1.1%) YoY
+1 (+1.1%) QoQ
 +35 58 237 482 84%
Assets per Employee ($) $5.4M
+10.1% YoY
+2.8% QoQ
 -$2.1M $7.5M $7.5M $8.8M 21%
Branch Count 15
0 YoY
0 QoQ
 +10 4 17 18 98%

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 0.2%
-0.1pp YoY
0.0pp QoQ
 -0.7pp 0.9% 0.8% 1.0% 29%
Allowance Coverage 5.30x
+34.8% YoY
-3.5% QoQ
 -18.85x 24.15x 6.71x 20.23x 72%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 25%

Profitability

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
ROE 15.7%
+3.6pp YoY
+1.3pp QoQ
 +3.5pp 12.2% 11.2% 11.6% 71%
Cost of Funds (YTD) 1.6%
-0.3pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.8% 1.7% 43%
Net Income ($, YTD) $3.6M
+48.7% YoY
— QoQ
 +$1.1M $2.6M $16.3M $40.4M 77%

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

503
Non-Interest Income / Assets
revenue_mix
Value: 0.36%
Peer Median: 0.57%
#503 of 2643 Top 19.0% in $100M-$1B
511
Loan-to-Deposit Ratio
liquidity
Value: 61.79%
Peer Median: 77.95%
#511 of 2643 Top 19.3% in $100M-$1B

Top Weaknesses (1 metrics)

2214
Tier 1 Capital Ratio
capital
Value: 10.47%
Peer Median: 15.91%
#2214 of 2643 Bottom 16.3% in $100M-$1B
Powered by BlastPoint © 2026