BlastPoint's Banking Scorecard

The Home National Bank of Thorntown

$100M-$1B Specialty: Mortgage IN FDIC cert 14225

Thorntown, IN

2 branches across IN

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

The Home National Bank of Thorntown has 2 strengths 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

+ Net Interest Margin 0.37% above tier average
+ Delinquency Rate 0.09% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 11.0% in tier
- Flatlined Growth: Bottom 25.2% in tier
- ROA 0.34% below tier average
- Efficiency Ratio 2.65% above tier average

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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 ?	$177.0M -0.6% YoY -3.5% QoQ	-$209.1M	$386.1M +0.5% YoY	$2.5B +12.1% YoY	$6.2B +9.1% YoY	21%
Total Loans ?	$126.8M +9.0% YoY -2.6% QoQ	-$128.9M	$255.7M +1.1% YoY	$1.7B +14.1% YoY	$3.2B +10.8% YoY	28%
Total Deposits ?	$158.8M -1.9% YoY -4.1% QoQ	-$169.2M	$328.0M +0.1% YoY	$2.0B +11.8% YoY	$4.8B +8.2% YoY	23%
Return on Assets ?	0.93% -6.8% YoY -6.8% QoQ	-0.34%	1.27% +12.9% YoY	0.81% -6.6% YoY	1.23% +13.4% YoY	34%
Net Interest Margin ?	4.30% +11.6% YoY +6.6% QoQ	+0.37%	3.93% +6.0% YoY	3.60% +8.5% YoY	3.89% +5.7% YoY	73%
Efficiency Ratio ?	67.93% +4.3% YoY +14.2% QoQ	+2.65%	65.29% -4.5% YoY	105.71% +27.0% YoY	66.95% -4.1% YoY	37%
Delinquency Rate ?	0.80% +106.3% QoQ	-0.09%	0.89% +18.8% YoY	0.90% +15.9% YoY	0.95% +18.8% YoY	34%
Loan-to-Deposit Ratio ?	79.84% +11.2% YoY +1.6% QoQ	+3.21%	76.64% +0.8% YoY	81.10% +0.7% YoY	76.70% +0.9% YoY	47%
Non-Interest-Bearing Deposit Share ?	20.72% +11.5% YoY +7.8% QoQ	-1.30%	22.02% -1.0% YoY	17.15% -0.9% YoY	22.01% -1.2% YoY	48%
Nonperforming Asset Ratio ?	0.57% +108.2% QoQ	-0.07%	0.64% +19.7% YoY	0.67% +21.6% YoY	0.67% +19.3% YoY	34%
Tier 1 Capital Ratio ?	10.28% +6.6% YoY +4.0% QoQ	-5.55%	15.83% +1.5% YoY	16.04% +1.8% YoY	17.06% +0.8% YoY	Bottom 13.3% in tier
Non-Interest Income / Assets ?	0.08% -17.7% YoY -80.5% QoQ	-0.20%	0.28% +9.3% YoY	0.79% -14.5% YoY	0.32% +4.1% YoY	36%

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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 (2)

Capital Thin

risk

#74 of 666 • Bottom 11.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.28%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Flatlined Growth

risk

#130 of 512 • Bottom 25.2% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.93%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 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 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

2311

Tier 1 Capital Ratio

capital

Value: 10.28%

Peer Median: 15.83%

#2311 of 2664 Bottom 13.3% in $100M-$1B

2106

Total Assets

size

Value: $176.97M

Peer Median: $386.08M

#2106 of 2664 Bottom 21.0% in $100M-$1B

2040

Total Deposits

size

Value: $158.81M

Peer Median: $327.97M

#2040 of 2664 Bottom 23.5% in $100M-$1B