BlastPoint's Banking Scorecard

The Bippus State Bank

$100M-$1B Specialty: Commercial IN FDIC cert 1847

Huntington, IN

6 branches across IN

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

The Bippus State Bank has 4 strengths but faces 5 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

+ Revenue Diversifier: Top 16.5% in tier
+ Return on Assets 0.91% above tier average
+ Net Interest Margin 0.63% above tier average
+ Efficiency Ratio 19.19% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 32.9% in tier
- Liquidity Overhang: Bottom 35.0% in tier
- Liquidity Strain: Bottom 37.0% in tier
- Credit Quality Pressure: Bottom 41.3% in tier
- NIB Deposit Bleed: Bottom 56.6% in tier

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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 ?	$432.1M +10.1% YoY +0.9% QoQ	+$46.0M	$386.1M +0.5% YoY	$2.5B +12.1% YoY	$6.2B +9.1% YoY	65%
Total Loans ?	$339.1M +7.5% YoY -2.7% QoQ	+$83.4M	$255.7M +1.1% YoY	$1.7B +14.1% YoY	$3.2B +10.8% YoY	73%
Total Deposits ?	$365.2M +11.8% YoY +7.1% QoQ	+$37.2M	$328.0M +0.1% YoY	$2.0B +11.8% YoY	$4.8B +8.2% YoY	65%
Return on Assets ?	2.18% -6.8% YoY -5.6% QoQ	+0.91%	1.27% +12.9% YoY	0.81% -6.6% YoY	1.23% +13.4% YoY	Top 9.0% in tier
Net Interest Margin ?	4.56% -2.0% YoY -3.7% QoQ	+0.63%	3.93% +6.0% YoY	3.60% +8.5% YoY	3.89% +5.7% YoY	84%
Efficiency Ratio ?	46.10% -14.1% YoY -14.5% QoQ	-19.19%	65.29% -4.5% YoY	105.71% +27.0% YoY	66.95% -4.1% YoY	Top 10.1% in tier
Delinquency Rate ?	0.85% +22.0% YoY +3.4% QoQ	-0.04%	0.89% +18.8% YoY	0.90% +15.9% YoY	0.95% +18.8% YoY	32%
Loan-to-Deposit Ratio ?	92.87% -3.9% YoY -9.1% QoQ	+16.23%	76.64% +0.8% YoY	81.10% +0.7% YoY	76.70% +0.9% YoY	19%
Non-Interest-Bearing Deposit Share ?	9.02% -19.1% YoY -11.2% QoQ	-13.00%	22.02% -1.0% YoY	17.15% -0.9% YoY	22.01% -1.2% YoY	Bottom 9.1% in tier
Nonperforming Asset Ratio ?	0.66% +19.1% YoY -0.3% QoQ	+0.03%	0.64% +19.7% YoY	0.67% +21.6% YoY	0.67% +19.3% YoY	31%
Tier 1 Capital Ratio ?	16.28% +8.0% YoY +3.9% QoQ	+0.45%	15.83% +1.5% YoY	16.04% +1.8% YoY	17.06% +0.8% YoY	73%
Non-Interest Income / Assets ?	0.28% +69.4% YoY -61.0% QoQ	+0.00%	0.28% +9.3% YoY	0.79% -14.5% YoY	0.32% +4.1% YoY	Top 7.3% in tier

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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 (1)

Revenue Diversifier

growth

#111 of 666 • Top 16.5% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.28%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 2.18%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (5)

Credit Risk Growth

risk

#321 of 973 • Bottom 32.9% in tier

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

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Liquidity Overhang

risk

#260 of 739 • Bottom 35.0% 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: 16.28%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 92.87%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ

Liquidity Strain

risk

#239 of 643 • Bottom 37.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 92.87%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#541 of 1308 • Bottom 41.3% in tier

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

Why this signature

Delinquency Rate: 0.85%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank declining

NIB Deposit Bleed

decline

#113 of 198 • Bottom 56.6% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 9.02%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 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 (4 metrics)

195

Non-Interest Income / Assets

revenue_mix

Value: 0.28%

Peer Median: 0.28%

#195 of 2664 Top 7.3% in $100M-$1B

240

Return on Assets

profitability

Value: 2.18%

Peer Median: 1.27%

#240 of 2664 Top 9.0% in $100M-$1B

269

Efficiency Ratio

profitability

Value: 46.10%

Peer Median: 65.29%

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

436

Net Interest Margin

profitability

Value: 4.56%

Peer Median: 3.93%

#436 of 2664 Top 16.3% in $100M-$1B

Top Weaknesses (2 metrics)

2423

Non-Interest-Bearing Deposit Share

funding

Value: 9.02%

Peer Median: 22.02%

#2423 of 2664 Bottom 9.1% in $100M-$1B

2167

Loan-to-Deposit Ratio

liquidity

Value: 92.87%

Peer Median: 76.64%

#2167 of 2664 Bottom 18.7% in $100M-$1B