BlastPoint's Banking Scorecard

The Campbell & Fetter Bank

$100M-$1B Specialty: Mortgage IN FDIC cert 16757

Kendallville, IN

8 branches across IN

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

The Campbell & Fetter Bank 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

+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ Efficiency Ratio 0.16% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 25.0% in tier
- ROA 0.45% below tier average
- Net Interest Margin 0.73% below tier average

Get updates when The Campbell & Fetter Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Total Assets ?	$353.4M +2.4% YoY -0.4% QoQ	-$32.7M	$386.1M +0.5% YoY	$2.5B +12.1% YoY	$6.2B +9.1% YoY	55%
Total Loans ?	$232.8M +6.7% YoY +0.6% QoQ	-$22.9M	$255.7M +1.1% YoY	$1.7B +14.1% YoY	$3.2B +10.8% YoY	56%
Total Deposits ?	$286.4M +13.5% YoY +0.2% QoQ	-$41.6M	$328.0M +0.1% YoY	$2.0B +11.8% YoY	$4.8B +8.2% YoY	52%
Return on Assets ?	0.82% +33.3% YoY +30.5% QoQ	-0.45%	1.27% +12.9% YoY	0.81% -6.6% YoY	1.23% +13.4% YoY	27%
Net Interest Margin ?	3.20% +13.7% YoY +7.1% QoQ	-0.73%	3.93% +6.0% YoY	3.60% +8.5% YoY	3.89% +5.7% YoY	17%
Efficiency Ratio ?	65.12% -3.5% YoY -4.7% QoQ	-0.16%	65.29% -4.5% YoY	105.71% +27.0% YoY	66.95% -4.1% YoY	44%
Delinquency Rate ?	0.00% -100.0% YoY	-0.89%	0.89% +18.8% YoY	0.90% +15.9% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	81.28% -6.0% YoY +0.4% QoQ	+4.64%	76.64% +0.8% YoY	81.10% +0.7% YoY	76.70% +0.9% YoY	44%
Non-Interest-Bearing Deposit Share ?	27.49% -11.6% YoY -3.2% QoQ	+5.47%	22.02% -1.0% YoY	17.15% -0.9% YoY	22.01% -1.2% YoY	75%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.64%	0.64% +19.7% YoY	0.67% +21.6% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	21.98% -1.0% YoY +0.4% QoQ	+6.15%	15.83% +1.5% YoY	16.04% +1.8% YoY	17.06% +0.8% YoY	Top 10.1% in tier
Non-Interest Income / Assets ?	0.04% -10.8% YoY -77.1% QoQ	-0.24%	0.28% +9.3% YoY	0.79% -14.5% YoY	0.32% +4.1% YoY	15%

Get Full Access to The Campbell & Fetter Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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)

Liquidity Overhang

risk

#186 of 739 • Bottom 25.0% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 21.98%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 81.28%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 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 (3 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

271

Tier 1 Capital Ratio

capital

Value: 21.98%

Peer Median: 15.83%

#271 of 2664 Top 10.1% in $100M-$1B

Top Weaknesses (2 metrics)

2262

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2262 of 2664 Bottom 15.1% in $100M-$1B

2200

Net Interest Margin

profitability

Value: 3.20%

Peer Median: 3.93%

#2200 of 2664 Bottom 17.5% in $100M-$1B