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The Campbell & Fetter Bank

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

Kendallville, IN

8 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 +15.8% year over year ($285.6M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 0.83%.
  • Efficiency ratio 64.96% vs a 64.48% peer average.
  • Loan-to-deposit ratio 82.78% 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 Campbell & Fetter Bank 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

  • + Delinquency Rate 0.92% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 26.0% in tier
  • - ROA 0.49% below tier average
  • - Net Interest Margin 0.70% below tier average
  • - Efficiency Ratio 0.48% above tier average
Get updates when The Campbell & Fetter 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 ? $355.0M
+3.4% YoY +0.4% QoQ
-$31.6M $386.6M
+1.2% YoY
$2.5B
+3.7% YoY
$6.3B
+7.7% YoY
55%
Total Loans ? $236.4M
+5.4% YoY +1.6% QoQ
-$21.9M $258.3M
+1.7% YoY
$1.8B
+5.7% YoY
$3.2B
+9.4% YoY
56%
Total Deposits ? $285.6M
+15.8% YoY -0.3% QoQ
-$41.1M $326.7M
+0.7% YoY
$2.0B
+3.4% YoY
$4.9B
+7.3% YoY
52%
Return on Assets ? 0.83%
+33.6% YoY +1.8% QoQ
-0.49% 1.32%
+10.8% YoY
1.07%
+3.3% YoY
1.30%
+12.1% YoY
25%
Net Interest Margin ? 3.29%
+13.0% YoY +2.7% QoQ
-0.70% 3.99%
+5.0% YoY
3.70%
+8.1% YoY
3.95%
+4.9% YoY
19%
Efficiency Ratio ? 64.96%
-5.7% YoY -0.2% QoQ
+0.48% 64.48%
-3.2% YoY
77.20%
+13.2% YoY
70.05%
+2.5% YoY
42%
Delinquency Rate ? 0.00%
-100.0% YoY
-0.92% 0.92%
+15.7% YoY
0.91%
+27.8% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 82.78%
-9.0% YoY +1.9% QoQ
+4.83% 77.95%
+1.0% YoY
81.91%
+1.2% YoY
79.03%
+2.3% YoY
44%
Non-Interest-Bearing Deposit Share ? 24.95%
-20.4% YoY -9.2% QoQ
+2.92% 22.03%
-0.6% YoY
16.57%
-2.9% YoY
21.98%
-0.6% YoY
66%
Nonperforming Asset Ratio ? 0.00%
-100.0% YoY
-0.67% 0.67%
+16.4% YoY
0.69%
+42.1% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 21.67%
-3.1% YoY -1.4% QoQ
+5.76% 15.91%
+1.4% YoY
16.20%
+1.2% YoY
17.09%
+0.8% YoY
Top 11.1% in tier
Non-Interest Income / Assets ? 0.08%
-21.1% YoY +79.6% QoQ
-0.49% 0.57%
+7.6% YoY
1.78%
-1.3% YoY
0.66%
+5.2% YoY
Bottom 11.3% 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 25.0%
-6.4pp YoY
-2.5pp QoQ
 +2.8pp 22.1% 16.8% 22.2% 66%
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 5.5%
+1.0pp YoY
-0.4pp QoQ
 -6.0pp 11.6% 11.1% 12.5% 23%
CRE n/a n/a 39.5% 36.2% 41.4% n/a
1-4 Family 85.5%
+0.2pp YoY
+0.4pp QoQ
 +52.8pp 32.6% 40.0% 31.3% 98%
Consumer 5.4%
-1.7pp YoY
-0.2pp QoQ
 +1.3pp 4.1% 3.2% 5.0% 80%

Capital

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
CET1 Ratio 21.7%
-0.7pp YoY
-0.3pp QoQ
 +2.8pp 18.8% 17.5% 19.7% 82%
Leverage Ratio 10.0%
-0.2pp YoY
-0.1pp QoQ
 -2.2pp 12.2% 13.0% 12.6% 31%
Total Capital Ratio 22.9%
-0.6pp YoY
-0.3pp QoQ
 +3.0pp 19.9% 18.7% 20.8% 82%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Full-Time Employees 61
0 YoY
0 QoQ
 +2 58 237 482 64%
Assets per Employee ($) $5.8M
+3.4% YoY
+0.4% QoQ
 -$1.7M $7.5M $7.5M $8.8M 30%
Branch Count 8
0 YoY
0 QoQ
 +3 4 17 18 82%

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 n/a n/a 0.9% 0.8% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 6.71x 20.23x n/a
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 14%

Profitability

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
ROE 8.2%
+1.8pp YoY
+0.1pp QoQ
 -4.0pp 12.2% 11.2% 11.6% 27%
Cost of Funds (YTD) 1.2%
-0.1pp YoY
0.0pp QoQ
 -0.5pp 1.7% 1.8% 1.7% 21%
Net Income ($, YTD) $1.5M
+38.0% YoY
— QoQ
 -$1.1M $2.6M $16.3M $40.4M 41%

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
#194 of 742 • Bottom 26.0% 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: 21.67%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 82.78%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

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 (3 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
294
Tier 1 Capital Ratio
capital
Value: 21.67%
Peer Median: 15.91%
#294 of 2643 Top 11.1% in $100M-$1B

Top Weaknesses (3 metrics)

2345
Non-Interest Income / Assets
revenue_mix
Value: 0.08%
Peer Median: 0.57%
#2345 of 2643 Bottom 11.3% in $100M-$1B
2139
Net Interest Margin
profitability
Value: 3.29%
Peer Median: 3.99%
#2139 of 2643 Bottom 19.1% in $100M-$1B
1989
Return on Assets
profitability
Value: 0.83%
Peer Median: 1.32%
#1989 of 2643 Bottom 24.8% in $100M-$1B
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