BlastPoint's Banking Scorecard

State Bank

$100M-$1B Specialty: Commercial IN FDIC cert 1833

Brownsburg, IN

10 branches across IN

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

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 0.21% above tier average
+ Delinquency Rate 0.75% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 23.3% in tier
- ROA 0.20% below tier average
- Efficiency Ratio 0.30% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Total Assets ?	$855.7M +3.8% YoY -1.1% QoQ	+$469.6M	$386.1M +0.5% YoY	$2.5B +12.1% YoY	$6.2B +9.1% YoY	Top 5.6% in tier
Total Loans ?	$675.4M +8.1% YoY -1.7% QoQ	+$419.7M	$255.7M +1.1% YoY	$1.7B +14.1% YoY	$3.2B +10.8% YoY	Top 3.4% in tier
Total Deposits ?	$696.4M -1.2% YoY +0.0% QoQ	+$368.5M	$328.0M +0.1% YoY	$2.0B +11.8% YoY	$4.8B +8.2% YoY	Top 7.1% in tier
Return on Assets ?	1.07% +27.9% YoY +12.7% QoQ	-0.20%	1.27% +12.9% YoY	0.81% -6.6% YoY	1.23% +13.4% YoY	43%
Net Interest Margin ?	4.14% +17.3% YoY +11.0% QoQ	+0.21%	3.93% +6.0% YoY	3.60% +8.5% YoY	3.89% +5.7% YoY	65%
Efficiency Ratio ?	65.59% -5.5% YoY -2.6% QoQ	+0.30%	65.29% -4.5% YoY	105.71% +27.0% YoY	66.95% -4.1% YoY	43%
Delinquency Rate ?	0.13% -55.2% YoY -85.1% QoQ	-0.75%	0.89% +18.8% YoY	0.90% +15.9% YoY	0.95% +18.8% YoY	70%
Loan-to-Deposit Ratio ?	96.98% +9.4% YoY -1.7% QoQ	+20.34%	76.64% +0.8% YoY	81.10% +0.7% YoY	76.70% +0.9% YoY	Bottom 12.6% in tier
Non-Interest-Bearing Deposit Share ?	26.57% +4.0% YoY +7.2% QoQ	+4.55%	22.02% -1.0% YoY	17.15% -0.9% YoY	22.01% -1.2% YoY	72%
Nonperforming Asset Ratio ?	0.11% -53.3% YoY -85.2% QoQ	-0.53%	0.64% +19.7% YoY	0.67% +21.6% YoY	0.67% +19.3% YoY	70%
Tier 1 Capital Ratio ?	9.49% -7.9% YoY +4.0% QoQ	-6.34%	15.83% +1.5% YoY	16.04% +1.8% YoY	17.06% +0.8% YoY	Bottom 4.3% in tier
Non-Interest Income / Assets ?	0.11% +11.3% YoY -74.5% QoQ	-0.17%	0.28% +9.3% YoY	0.79% -14.5% YoY	0.32% +4.1% YoY	56%

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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 (1)

Capital Thin

risk

#156 of 666 • Bottom 23.3% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.49%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

Total Loans

size

Value: $675.38M

Peer Median: $255.72M

#91 of 2664 Top 3.4% in $100M-$1B

149

Total Assets

size

Value: $855.71M

Peer Median: $386.08M

#149 of 2664 Top 5.6% in $100M-$1B

189

Total Deposits

size

Value: $696.43M

Peer Median: $327.97M

#189 of 2664 Top 7.1% in $100M-$1B

Top Weaknesses (2 metrics)

2551

Tier 1 Capital Ratio

capital

Value: 9.49%

Peer Median: 15.83%

#2551 of 2664 Bottom 4.3% in $100M-$1B

2330

Loan-to-Deposit Ratio

liquidity

Value: 96.98%

Peer Median: 76.64%

#2330 of 2664 Bottom 12.6% in $100M-$1B