BlastPoint's Banking Scorecard

Bank of Wolcott

$100M-$1B Specialty: Agricultural IN FDIC cert 16201

Wolcott, IN

3 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 +3.9% year over year ($234.2M on the books).
Delinquency rate 0.44%.
Return on assets 1.69%.
Efficiency ratio 51.54% vs a 64.48% peer average.
Loan-to-deposit ratio 60.23% 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) →

Bank of Wolcott has 3 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

+ ROA 0.37% above tier average
+ Efficiency Ratio 12.93% below tier average
+ Delinquency Rate 0.48% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 18.4% in tier
- Credit Quality Pressure: Bottom 36.5% in tier
- Net Interest Margin 0.64% below tier average

Get updates when Bank of Wolcott releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Total Assets ?	$280.3M +6.0% YoY +0.5% QoQ	-$106.3M	$386.6M +1.2% YoY	$2.5B +3.7% YoY	$6.3B +7.7% YoY	42%
Total Loans ?	$141.1M +3.6% YoY -0.1% QoQ	-$117.3M	$258.3M +1.7% YoY	$1.8B +5.7% YoY	$3.2B +9.4% YoY	32%
Total Deposits ?	$234.2M +3.9% YoY +0.2% QoQ	-$92.5M	$326.7M +0.7% YoY	$2.0B +3.4% YoY	$4.9B +7.3% YoY	42%
Return on Assets ?	1.69% +6.8% YoY +9.7% QoQ	+0.37%	1.32% +10.8% YoY	1.07% +3.3% YoY	1.30% +12.1% YoY	75%
Net Interest Margin ?	3.34% -0.3% YoY +3.1% QoQ	-0.64%	3.99% +5.0% YoY	3.70% +8.1% YoY	3.95% +4.9% YoY	21%
Efficiency Ratio ?	51.54% -5.8% YoY -4.0% QoQ	-12.93%	64.48% -3.2% YoY	77.20% +13.2% YoY	70.05% +2.5% YoY	80%
Delinquency Rate ?	0.44% +90.3% YoY -14.4% QoQ	-0.48%	0.92% +15.7% YoY	0.91% +27.8% YoY	0.98% +16.3% YoY	49%
Loan-to-Deposit Ratio ?	60.23% -0.3% YoY -0.3% QoQ	-17.72%	77.95% +1.0% YoY	81.91% +1.2% YoY	79.03% +2.3% YoY	82%
Non-Interest-Bearing Deposit Share ?	19.71% -6.1% YoY -7.7% QoQ	-2.32%	22.03% -0.6% YoY	16.57% -2.9% YoY	21.98% -0.6% YoY	45%
Nonperforming Asset Ratio ?	0.29% +50.3% YoY -12.0% QoQ	-0.38%	0.67% +16.4% YoY	0.69% +42.1% YoY	0.69% +15.8% YoY	53%
Tier 1 Capital Ratio ?	12.01% -2.7% YoY -1.2% QoQ	-3.90%	15.91% +1.4% YoY	16.20% +1.2% YoY	17.09% +0.8% YoY	36%
Non-Interest Income / Assets ?	0.12% -16.9% YoY +107.7% QoQ	-0.45%	0.57% +7.6% YoY	1.78% -1.3% YoY	0.66% +5.2% YoY	25%

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	19.7% -1.3pp YoY -1.7pp QoQ	-2.4pp	22.1%	16.8%	22.2%	44%
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	13.5% +4.3pp YoY +0.8pp QoQ	+1.9pp	11.6%	11.1%	12.5%	70%
CRE	21.8% -5.0pp YoY	-17.8pp	39.5%	36.2%	41.4%	21%
1-4 Family	19.7% +1.0pp YoY +0.2pp QoQ	-12.9pp	32.6%	40.0%	31.3%	29%
Consumer	0.8% -0.1pp YoY 0.0pp QoQ	-3.3pp	4.1%	3.2%	5.0%	23%

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	12.0% -0.3pp YoY -0.2pp QoQ	-0.2pp	12.2%	13.0%	12.6%	65%
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	27 -2 (-6.9%) YoY +1 (+3.8%) QoQ	-32	58	237	482	22%
Assets per Employee ($)	$10.4M +13.9% YoY -3.2% QoQ	+$2.9M	$7.5M	$7.5M	$8.8M	88%
Branch Count	3 0 YoY 0 QoQ	-2	4	17	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.2%	0.4%	52%
Nonaccrual	0.3% +0.2pp YoY 0.0pp QoQ	-0.6pp	0.9%	0.8%	1.0%	41%
Allowance Coverage	3.75x -49.2% YoY +17.2% QoQ	-20.40x	24.15x	6.71x	20.23x	63%
Net Charge-off Rate (YTD)	-0.0%	-0.2pp	0.1%	0.1%	0.2%	20%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
ROE	16.2% -1.6pp YoY +1.3pp QoQ	+4.0pp	12.2%	11.2%	11.6%	74%
Cost of Funds (YTD)	1.7% +0.1pp YoY 0.0pp QoQ	0.0pp	1.7%	1.8%	1.7%	54%
Net Income ($, YTD)	$2.3M +18.1% YoY — QoQ	-$210K	$2.6M	$16.3M	$40.4M	59%

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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)

Credit Risk Growth

risk

#173 of 936 • Bottom 18.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#459 of 1256 • Bottom 36.5% in tier

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

Why this signature

Delinquency Rate: 0.44%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

464

Loan-to-Deposit Ratio

liquidity

Value: 60.23%

Peer Median: 77.95%

#464 of 2643 Top 17.5% in $100M-$1B

530

Efficiency Ratio

profitability

Value: 51.54%

Peer Median: 64.48%

#530 of 2643 Top 20.0% in $100M-$1B

658

Return on Assets

profitability

Value: 1.69%

Peer Median: 1.32%

#658 of 2643 Top 24.9% in $100M-$1B

Top Weaknesses (2 metrics)

2081

Net Interest Margin

profitability

Value: 3.34%

Peer Median: 3.99%

#2081 of 2643 Bottom 21.3% in $100M-$1B

1989

Non-Interest Income / Assets

revenue_mix

Value: 0.12%

Peer Median: 0.57%

#1989 of 2643 Bottom 24.8% in $100M-$1B