BlastPoint's Banking Scorecard
State Bank
Brownsburg, IN
11 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 +5.6% year over year ($764.1M on the books).
- Delinquency rate 0.13%.
- Return on assets 1.07%.
- Efficiency ratio 65.46% vs a 64.48% peer average.
- Loan-to-deposit ratio 91.52% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
State Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.06% above tier average
- + Delinquency Rate 0.79% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 35.8% in tier
- - ROA 0.26% below tier average
- - Efficiency Ratio 0.98% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$916.1M
+7.1% YoY
+7.1% QoQ
|
+$529.5M |
$386.6M
+1.2% YoY
|
$2.5B
+3.7% YoY
|
$6.3B
+7.7% YoY
|
Top 3.1% in tier |
| Total Loans ? |
$699.4M
+7.9% YoY
+3.5% QoQ
|
+$441.0M |
$258.3M
+1.7% YoY
|
$1.8B
+5.7% YoY
|
$3.2B
+9.4% YoY
|
Top 2.6% in tier |
| Total Deposits ? |
$764.1M
+5.6% YoY
+9.7% QoQ
|
+$437.4M |
$326.7M
+0.7% YoY
|
$2.0B
+3.4% YoY
|
$4.9B
+7.3% YoY
|
Top 3.7% in tier |
| Return on Assets ? |
1.07%
+19.1% YoY
-0.6% QoQ
|
-0.26% |
1.32%
+10.8% YoY
|
1.07%
+3.3% YoY
|
1.30%
+12.1% YoY
|
38% |
| Net Interest Margin ? |
4.04%
+13.5% YoY
-2.4% QoQ
|
+0.06% |
3.99%
+5.0% YoY
|
3.70%
+8.1% YoY
|
3.95%
+4.9% YoY
|
56% |
| Efficiency Ratio ? |
65.46%
-3.4% YoY
-0.2% QoQ
|
+0.98% |
64.48%
-3.2% YoY
|
77.20%
+13.2% YoY
|
70.05%
+2.5% YoY
|
41% |
| Delinquency Rate ? |
0.13%
-51.6% YoY
+0.1% QoQ
|
-0.79% |
0.92%
+15.7% YoY
|
0.91%
+27.8% YoY
|
0.98%
+16.3% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
91.52%
+2.2% YoY
-5.6% QoQ
|
+13.57% |
77.95%
+1.0% YoY
|
81.91%
+1.2% YoY
|
79.03%
+2.3% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
23.70%
-45.0% YoY
-10.8% QoQ
|
+1.67% |
22.03%
-0.6% YoY
|
16.57%
-2.9% YoY
|
21.98%
-0.6% YoY
|
61% |
| Nonperforming Asset Ratio ? |
0.10%
-51.2% YoY
-3.2% QoQ
|
-0.57% |
0.67%
+16.4% YoY
|
0.69%
+42.1% YoY
|
0.69%
+15.8% YoY
|
71% |
| Tier 1 Capital Ratio ? |
11.90%
+13.5% YoY
+25.4% QoQ
|
-4.01% |
15.91%
+1.4% YoY
|
16.20%
+1.2% YoY
|
17.09%
+0.8% YoY
|
34% |
| Non-Interest Income / Assets ? |
0.21%
+5.3% YoY
+94.0% QoQ
|
-0.36% |
0.57%
+7.6% YoY
|
1.78%
-1.3% YoY
|
0.66%
+5.2% YoY
|
52% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
23.7%
-19.4pp YoY -2.9pp QoQ |
+1.6pp | 22.1% | 16.8% | 22.2% | 61% |
| Brokered Deposits |
5.6%
+4.2pp YoY |
-2.2pp | 7.9% | 7.2% | 8.5% | 56% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
12.6%
+1.6pp YoY +0.8pp QoQ |
+1.1pp | 11.6% | 11.1% | 12.5% | 67% |
| CRE |
61.6%
+0.3pp YoY -1.9pp QoQ |
+22.0pp | 39.5% | 36.2% | 41.4% | 86% |
| 1-4 Family |
17.6%
+0.9pp YoY +0.7pp QoQ |
-15.1pp | 32.6% | 40.0% | 31.3% | 25% |
| Consumer |
1.1%
-0.1pp YoY -0.1pp QoQ |
-3.0pp | 4.1% | 3.2% | 5.0% | 30% |
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 |
11.9%
+2.7pp YoY +2.4pp QoQ |
-0.3pp | 12.2% | 13.0% | 12.6% | 64% |
| 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 |
120
+19 (+18.8%) YoY +8 (+7.1%) QoQ |
+61 | 58 | 237 | 482 | 92% |
| Assets per Employee ($) |
$7.6M
-9.8% YoY -0.1% QoQ |
+$116K | $7.5M | $7.5M | $8.8M | 63% |
| Branch Count |
10
0 YoY 0 QoQ |
+5 | 4 | 17 | 18 | 90% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.1%
-0.1pp YoY 0.0pp QoQ |
-0.8pp | 0.9% | 0.8% | 1.0% | 23% |
| Allowance Coverage |
11.18x
+106.6% YoY -1.2% QoQ |
-12.97x | 24.15x | 6.71x | 20.23x | 83% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 39% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.1%
+0.1pp YoY -1.0pp QoQ |
-1.1pp | 12.2% | 11.2% | 11.6% | 44% |
| Cost of Funds (YTD) |
1.9%
-0.1pp YoY 0.0pp QoQ |
+0.2pp | 1.7% | 1.8% | 1.7% | 64% |
| Net Income ($, YTD) |
$4.7M
+25.6% YoY — QoQ |
+$2.1M | $2.6M | $16.3M | $40.4M | 85% |
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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 (0)
Concerns (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.