BlastPoint's Banking Scorecard
Peoples Community Bank SB of Monticello, Indiana
Designations: ✓ Community bank ✓ Mutual
Monticello, IN
Peoples Community Bank SB of Monticello, Indiana has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.35% above tier average
- + Net Interest Margin 0.39% above tier average
- + Efficiency Ratio 21.53% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 134.43% above tier average
- - Non-Interest-Bearing Deposit Share 19.34% below tier average
- - Nonperforming Asset Ratio 1.77% above tier average
- - Delinquency Rate 1.41% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$42.8M
+4.3% YoY
-1.8% QoQ
|
-$19.3M |
$62.2M
-0.6% YoY
|
$2.5B
+12.1% YoY
|
$6.2B
+9.1% YoY
|
25% |
| Total Loans ? |
$39.4M
+7.7% YoY
-3.5% QoQ
|
+$5.2M |
$34.2M
-1.4% YoY
|
$1.7B
+14.1% YoY
|
$3.2B
+10.8% YoY
|
62% |
| Total Deposits ? |
$19.8M
+4.1% YoY
-5.1% QoQ
|
-$31.9M |
$51.7M
-0.7% YoY
|
$2.0B
+11.8% YoY
|
$4.8B
+8.2% YoY
|
Bottom 9.1% in tier |
| Return on Assets ? |
1.18%
+202.3% YoY
+113.9% QoQ
|
+0.35% |
0.84%
-2.3% YoY
|
0.81%
-6.6% YoY
|
1.23%
+13.4% YoY
|
62% |
| Net Interest Margin ? |
4.25%
+9.3% YoY
+11.3% QoQ
|
+0.39% |
3.86%
+2.8% YoY
|
3.60%
+8.5% YoY
|
3.89%
+5.7% YoY
|
67% |
| Efficiency Ratio ? |
66.81%
-22.4% YoY
-16.2% QoQ
|
-21.53% |
88.34%
+0.3% YoY
|
105.71%
+27.0% YoY
|
66.95%
-4.1% YoY
|
61% |
| Delinquency Rate ? |
2.78%
+179.7% YoY
-16.7% QoQ
|
+1.41% |
1.37%
+33.8% YoY
|
0.90%
+15.9% YoY
|
0.95%
+18.8% YoY
|
Bottom 14.2% in tier |
| Loan-to-Deposit Ratio ? |
198.64%
+3.4% YoY
+1.6% QoQ
|
+134.43% |
64.22%
-0.7% YoY
|
81.10%
+0.7% YoY
|
76.70%
+0.9% YoY
|
Bottom 0.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
4.38%
+26.9% YoY
-75.6% QoQ
|
-19.34% |
23.71%
+0.3% YoY
|
17.15%
-0.9% YoY
|
22.01%
-1.2% YoY
|
Bottom 9.8% in tier |
| Nonperforming Asset Ratio ? |
2.56%
+188.7% YoY
-18.2% QoQ
|
+1.77% |
0.79%
+28.2% YoY
|
0.67%
+21.6% YoY
|
0.67%
+19.3% YoY
|
Bottom 7.0% in tier |
| Tier 1 Capital Ratio ? |
31.38%
-2.8% YoY
-1.1% QoQ
|
+4.70% |
26.68%
+2.0% YoY
|
16.04%
+1.8% YoY
|
17.06%
+0.8% YoY
|
Top 14.8% in tier |
| Non-Interest Income / Assets ? |
0.02%
+763.0% YoY
+52.7% QoQ
|
-0.64% |
0.67%
+1.9% YoY
|
0.79%
-14.5% YoY
|
0.32%
+4.1% YoY
|
Bottom 14.6% in tier |
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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
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