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Hoosier Heartland State Bank

$100M-$1B Specialty: Agricultural IN FDIC cert 15566

Crawfordsville, IN

7 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 +7.0% year over year ($327.3M on the books).
  • Delinquency rate 0.64%.
  • Return on assets 1.27%.
  • Efficiency ratio 69.51% vs a 64.48% peer average.
  • Loan-to-deposit ratio 79.88% 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) →

Hoosier Heartland State Bank has 2 strengths but faces 3 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 0.15% above tier average
  • + Delinquency Rate 0.28% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 48.0% in tier
  • - ROA 0.05% below tier average
  • - Efficiency Ratio 5.03% above tier average
Get updates when Hoosier Heartland 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 ? $356.3M
+7.8% YoY +1.5% QoQ
-$30.2M $386.6M
+1.2% YoY
$2.5B
+3.7% YoY
$6.3B
+7.7% YoY
55%
Total Loans ? $261.4M
+11.0% YoY +0.8% QoQ
+$3.1M $258.3M
+1.7% YoY
$1.8B
+5.7% YoY
$3.2B
+9.4% YoY
61%
Total Deposits ? $327.3M
+7.0% YoY +3.1% QoQ
+$573K $326.7M
+0.7% YoY
$2.0B
+3.4% YoY
$4.9B
+7.3% YoY
60%
Return on Assets ? 1.27%
+36.0% YoY +12.6% QoQ
-0.05% 1.32%
+10.8% YoY
1.07%
+3.3% YoY
1.30%
+12.1% YoY
51%
Net Interest Margin ? 4.14%
+8.0% YoY +0.2% QoQ
+0.15% 3.99%
+5.0% YoY
3.70%
+8.1% YoY
3.95%
+4.9% YoY
61%
Efficiency Ratio ? 69.51%
-8.1% YoY -3.0% QoQ
+5.03% 64.48%
-3.2% YoY
77.20%
+13.2% YoY
70.05%
+2.5% YoY
31%
Delinquency Rate ? 0.64%
+93.7% YoY +77.4% QoQ
-0.28% 0.92%
+15.7% YoY
0.91%
+27.8% YoY
0.98%
+16.3% YoY
40%
Loan-to-Deposit Ratio ? 79.88%
+3.7% YoY -2.2% QoQ
+1.93% 77.95%
+1.0% YoY
81.91%
+1.2% YoY
79.03%
+2.3% YoY
50%
Non-Interest-Bearing Deposit Share ? 16.02%
-3.2% YoY -4.0% QoQ
-6.01% 22.03%
-0.6% YoY
16.57%
-2.9% YoY
21.98%
-0.6% YoY
28%
Nonperforming Asset Ratio ? 0.47%
+100.1% YoY +76.8% QoQ
-0.20% 0.67%
+16.4% YoY
0.69%
+42.1% YoY
0.69%
+15.8% YoY
41%
Tier 1 Capital Ratio ? 10.35%
-2.5% YoY -0.2% QoQ
-5.56% 15.91%
+1.4% YoY
16.20%
+1.2% YoY
17.09%
+0.8% YoY
15%
Non-Interest Income / Assets ? 0.42%
+10.6% YoY +106.2% QoQ
-0.15% 0.57%
+7.6% YoY
1.78%
-1.3% YoY
0.66%
+5.2% YoY
Top 13.4% in tier

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 16.0%
-0.5pp YoY
-0.7pp QoQ
 -6.1pp 22.1% 16.8% 22.2% 27%
Brokered Deposits 0.6%
0.0pp YoY
0.0pp QoQ
 -7.2pp 7.9% 7.2% 8.5% 13%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
C&I 4.9%
-0.8pp YoY
-0.6pp QoQ
 -6.7pp 11.6% 11.1% 12.5% 19%
CRE 26.8%
+4.0pp YoY
0.0pp QoQ
 -12.8pp 39.5% 36.2% 41.4% 29%
1-4 Family 22.6%
-1.8pp YoY
-0.5pp QoQ
 -10.0pp 32.6% 40.0% 31.3% 36%
Consumer 4.0%
-1.4pp YoY
-0.2pp QoQ
 -0.1pp 4.1% 3.2% 5.0% 70%

Capital

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
CET1 Ratio 10.3%
-0.3pp YoY
0.0pp QoQ
 -8.5pp 18.8% 17.5% 19.7% 4%
Leverage Ratio 8.7%
+0.2pp YoY
+0.1pp QoQ
 -3.5pp 12.2% 13.0% 12.6% 8%
Total Capital Ratio 11.5%
-0.2pp YoY
0.0pp QoQ
 -8.5pp 19.9% 18.7% 20.8% 4%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Full-Time Employees 61
+2 (+3.4%) YoY
+2 (+3.4%) QoQ
 +2 58 237 482 64%
Assets per Employee ($) $5.8M
+4.2% YoY
-1.8% QoQ
 -$1.7M $7.5M $7.5M $8.8M 30%
Branch Count 7
0 YoY
0 QoQ
 +2 4 17 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.2pp YoY
-0.2pp QoQ
 -0.3pp 0.3% 0.2% 0.4% 20%
Nonaccrual 0.6%
+0.5pp YoY
+0.5pp QoQ
 -0.3pp 0.9% 0.8% 1.0% 59%
Allowance Coverage 1.95x
-48.1% YoY
-42.2% QoQ
 -22.20x 24.15x 6.71x 20.23x 47%
Net Charge-off Rate (YTD) -0.0%
-0.1pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 21%

Profitability

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
ROE 18.1%
+3.1pp YoY
+1.9pp QoQ
 +5.9pp 12.2% 11.2% 11.6% 82%
Cost of Funds (YTD) 1.8%
-0.2pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.8% 1.7% 56%
Net Income ($, YTD) $2.2M
+45.3% YoY
— QoQ
 -$315K $2.6M $16.3M $40.4M 57%

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
#604 of 1256 • Bottom 48.0% in tier

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

Why this signature
Delinquency Rate: 0.64%
(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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

354
Non-Interest Income / Assets
revenue_mix
Value: 0.42%
Peer Median: 0.57%
#354 of 2643 Top 13.4% in $100M-$1B

Top Weaknesses (1 metrics)

2247
Tier 1 Capital Ratio
capital
Value: 10.35%
Peer Median: 15.91%
#2247 of 2643 Bottom 15.0% in $100M-$1B
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