BlastPoint's Banking Scorecard
Boonville Federal Savings Bank
Designations: ✓ Community bank ✓ Mutual
Boonville, 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 536 banks in the under $100M peer group nationwide — 1 of 7 in IN.
- Deposits +3.3% year over year ($53.1M on the books).
- Delinquency rate 0.90%.
- Return on assets 0.48%.
- Efficiency ratio 81.11% vs a 119.40% peer average.
- Loan-to-deposit ratio 97.36% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Boonville Federal Savings Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 38.28% below tier average
- + Delinquency Rate 0.58% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.52% below tier average
- - Net Interest Margin 0.38% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$71.5M
+1.7% YoY
+2.9% QoQ
|
+$9.1M |
$62.4M
-0.0% YoY
|
$2.5B
+3.7% YoY
|
$6.3B
+7.7% YoY
|
58% |
| Total Loans ? |
$51.7M
+8.2% YoY
+5.2% QoQ
|
+$16.8M |
$34.9M
-0.6% YoY
|
$1.8B
+5.7% YoY
|
$3.2B
+9.4% YoY
|
78% |
| Total Deposits ? |
$53.1M
+3.3% YoY
+3.4% QoQ
|
+$1.5M |
$51.6M
-0.2% YoY
|
$2.0B
+3.4% YoY
|
$4.9B
+7.3% YoY
|
50% |
| Return on Assets ? |
0.48%
+29.5% YoY
+18.1% QoQ
|
-0.52% |
1.00%
+3.5% YoY
|
1.07%
+3.3% YoY
|
1.30%
+12.1% YoY
|
26% |
| Net Interest Margin ? |
3.53%
+10.5% YoY
+0.4% QoQ
|
-0.38% |
3.91%
+2.3% YoY
|
3.70%
+8.1% YoY
|
3.95%
+4.9% YoY
|
31% |
| Efficiency Ratio ? |
81.11%
-1.0% YoY
-4.1% QoQ
|
-38.28% |
119.40%
+49.6% YoY
|
77.20%
+13.2% YoY
|
70.05%
+2.5% YoY
|
29% |
| Delinquency Rate ? |
0.90%
+132.7% YoY
+89.0% QoQ
|
-0.58% |
1.48%
+31.8% YoY
|
0.91%
+27.8% YoY
|
0.98%
+16.3% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
97.36%
+4.7% YoY
+1.7% QoQ
|
+23.15% |
74.21%
+12.6% YoY
|
81.91%
+1.2% YoY
|
79.03%
+2.3% YoY
|
Bottom 11.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
7.31%
-3.2% YoY
-17.7% QoQ
|
-16.18% |
23.49%
+0.6% YoY
|
16.57%
-2.9% YoY
|
21.98%
-0.6% YoY
|
Bottom 12.3% in tier |
| Nonperforming Asset Ratio ? |
0.65%
+147.5% YoY
+93.1% QoQ
|
-0.19% |
0.84%
+23.0% YoY
|
0.69%
+42.1% YoY
|
0.69%
+15.8% YoY
|
34% |
| Tier 1 Capital Ratio ? |
15.49%
-0.5% YoY
-1.6% QoQ
|
-11.64% |
27.13%
+3.0% YoY
|
16.20%
+1.2% YoY
|
17.09%
+0.8% YoY
|
50% |
| Non-Interest Income / Assets ? |
0.07%
+31.2% YoY
+102.1% QoQ
|
-1.31% |
1.38%
+6.3% YoY
|
1.78%
-1.3% YoY
|
0.66%
+5.2% YoY
|
27% |
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 |
7.3%
-0.2pp YoY -1.6pp QoQ |
-17.3pp | 24.6% | 16.8% | 22.2% | 8% |
| Brokered Deposits |
13.8%
+13.8pp YoY -0.9pp QoQ |
+4.0pp | 9.8% | 7.2% | 8.5% | 73% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
14.7%
+1.8pp YoY +1.0pp QoQ |
+1.3pp | 13.4% | 11.1% | 12.5% | 68% |
| CRE | n/a | n/a | 25.2% | 36.2% | 41.4% | n/a |
| 1-4 Family |
62.7%
-0.4pp YoY +0.7pp QoQ |
+27.7pp | 35.0% | 40.0% | 31.3% | 82% |
| Consumer |
9.2%
-0.8pp YoY -0.5pp QoQ |
+1.5pp | 7.7% | 3.2% | 5.0% | 75% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.5%
-0.1pp YoY -0.2pp QoQ |
-23.2pp | 38.7% | 17.5% | 19.7% | 25% |
| Leverage Ratio |
8.8%
+0.3pp YoY +0.1pp QoQ |
-8.8pp | 17.7% | 13.0% | 12.6% | 8% |
| Total Capital Ratio |
16.7%
+0.1pp YoY -0.2pp QoQ |
-22.9pp | 39.7% | 18.7% | 20.8% | 26% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
14
+1 (+7.7%) YoY 0 QoQ |
+2 | 12 | 237 | 482 | 67% |
| Assets per Employee ($) |
$5.1M
-5.6% YoY +2.9% QoQ |
-$1.1M | $6.2M | $7.5M | $8.8M | 37% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 17 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.7%
+0.4pp YoY +0.2pp QoQ |
-0.2pp | 1.0% | 0.2% | 0.4% | 63% |
| Nonaccrual |
0.2%
+0.1pp YoY |
-1.6pp | 1.7% | 0.8% | 1.0% | 21% |
| Allowance Coverage |
1.16x
-50.5% YoY -47.3% QoQ |
-5.25x | 6.41x | 6.71x | 20.23x | 47% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.1% | 0.2% | 42% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.4%
+1.0pp YoY +0.8pp QoQ |
-1.0pp | 6.4% | 11.2% | 11.6% | 35% |
| Cost of Funds (YTD) |
2.8%
-0.1pp YoY 0.0pp QoQ |
+1.4pp | 1.4% | 1.8% | 1.7% | 97% |
| Net Income ($, YTD) |
$167,000
+30.5% YoY — QoQ |
-$151K | $317,817 | $16.3M | $40.4M | 33% |
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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.