BlastPoint's Banking Scorecard
Kentland Federal Savings and Loan Association
Designations: ✓ Community bank ✓ Mutual
Kentland, IN
Kentland Federal Savings and Loan Association faces 7 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 5.53% below tier average
- - Net Interest Margin 1.70% below tier average
- - Efficiency Ratio 216.66% above tier average
- - Delinquency Rate 4.99% above tier average
- - Non-Interest-Bearing Deposit Share 23.71% below tier average
- - Nonperforming Asset Ratio 4.99% above tier average
- - Tier 1 Capital Ratio 19.69% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.8M
+15.9% YoY
-1.2% QoQ
|
-$58.3M |
$62.2M
-0.6% YoY
|
$2.5B
+12.1% YoY
|
$6.2B
+9.1% YoY
|
Bottom 0.4% in tier |
| Total Loans ? |
$3.5M
+23.3% YoY
+4.9% QoQ
|
-$30.8M |
$34.2M
-1.4% YoY
|
$1.7B
+14.1% YoY
|
$3.2B
+10.8% YoY
|
Bottom 5.2% in tier |
| Total Deposits ? |
$3.7M
+20.2% YoY
-0.9% QoQ
|
-$48.1M |
$51.7M
-0.7% YoY
|
$2.0B
+11.8% YoY
|
$4.8B
+8.2% YoY
|
Bottom 3.3% in tier |
| Return on Assets ? |
-4.70%
+31.4% YoY
+41.0% QoQ
|
-5.53% |
0.84%
-2.3% YoY
|
0.81%
-6.6% YoY
|
1.23%
+13.4% YoY
|
Bottom 2.0% in tier |
| Net Interest Margin ? |
2.16%
+217.3% YoY
+107.1% QoQ
|
-1.70% |
3.86%
+2.8% YoY
|
3.60%
+8.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 4.1% in tier |
| Efficiency Ratio ? |
305.00%
-75.0% YoY
-62.4% QoQ
|
+216.66% |
88.34%
+0.3% YoY
|
105.71%
+27.0% YoY
|
66.95%
-4.1% YoY
|
Bottom 1.1% in tier |
| Delinquency Rate ? |
6.36%
-21.0% YoY
-4.7% QoQ
|
+4.99% |
1.37%
+33.8% YoY
|
0.90%
+15.9% YoY
|
0.95%
+18.8% YoY
|
Bottom 4.0% in tier |
| Loan-to-Deposit Ratio ? |
94.56%
+2.6% YoY
+5.9% QoQ
|
+30.34% |
64.22%
-0.7% YoY
|
81.10%
+0.7% YoY
|
76.70%
+0.9% YoY
|
Bottom 12.0% in tier |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -23.71% |
23.71%
+0.3% YoY
|
17.15%
-0.9% YoY
|
22.01%
-1.2% YoY
|
Bottom 5.0% in tier |
| Nonperforming Asset Ratio ? |
5.78%
-16.0% YoY
+1.2% QoQ
|
+4.99% |
0.79%
+28.2% YoY
|
0.67%
+21.6% YoY
|
0.67%
+19.3% YoY
|
Bottom 2.2% in tier |
| Tier 1 Capital Ratio ? |
6.99%
-6.7% YoY
-21.0% QoQ
|
-19.69% |
26.68%
+2.0% YoY
|
16.04%
+1.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 0.7% in tier |
| Non-Interest Income / Assets ? |
0.03%
-83.1% QoQ
|
-0.64% |
0.67%
+1.9% YoY
|
0.79%
-14.5% YoY
|
0.32%
+4.1% YoY
|
20% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.