BlastPoint's Banking Scorecard

The National Bank of Indianapolis

$1B-$10B Specialty: Commercial IN FDIC cert 33860

Designations: ✓ Community bank

Indianapolis, IN

13 branches across IN

884 banks in the $1B-$10B peer group nationally 17 in IN

The National Bank of Indianapolis has 2 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

+ Efficiency Ratio 2.00% below tier average
+ Delinquency Rate 0.72% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 19.5% in tier
- Deposit Outflow: Bottom 40.8% in tier
- Flatlined Growth: Bottom 45.3% in tier
- ROA 0.14% below tier average
- Net Interest Margin 0.65% below 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 ?	$3.1B +0.2% YoY +1.1% QoQ	+$313.2M	$2.8B -0.1% YoY	$2.5B +12.1% YoY	$6.2B +9.1% YoY	71%
Total Loans ?	$2.1B +16.0% YoY +3.8% QoQ	+$104.1M	$2.0B +0.6% YoY	$1.7B +14.1% YoY	$3.2B +10.8% YoY	69%
Total Deposits ?	$2.9B -0.9% YoY +1.1% QoQ	+$525.2M	$2.3B -0.3% YoY	$2.0B +11.8% YoY	$4.8B +8.2% YoY	76%
Return on Assets ?	1.23% +5.1% YoY -4.1% QoQ	-0.14%	1.37% +19.6% YoY	0.81% -6.6% YoY	1.23% +13.4% YoY	50%
Net Interest Margin ?	3.17% +3.8% YoY -0.2% QoQ	-0.65%	3.82% +6.9% YoY	3.60% +8.5% YoY	3.89% +5.7% YoY	23%
Efficiency Ratio ?	59.06% -2.9% YoY +4.1% QoQ	-2.00%	61.06% -4.6% YoY	105.71% +27.0% YoY	66.95% -4.1% YoY	52%
Delinquency Rate ?	0.17% -37.7% YoY -6.1% QoQ	-0.72%	0.89% +14.1% YoY	0.90% +15.9% YoY	0.95% +18.8% YoY	82%
Loan-to-Deposit Ratio ?	72.12% +17.1% YoY +2.6% QoQ	-12.08%	84.20% +0.3% YoY	81.10% +0.7% YoY	76.70% +0.9% YoY	80%
Non-Interest-Bearing Deposit Share ?	14.65% -7.8% YoY -6.8% QoQ	-6.64%	21.29% -2.5% YoY	17.15% -0.9% YoY	22.01% -1.2% YoY	26%
Nonperforming Asset Ratio ?	0.11% -27.9% YoY -3.6% QoQ	-0.56%	0.67% +15.6% YoY	0.67% +21.6% YoY	0.67% +19.3% YoY	84%
Tier 1 Capital Ratio ?	11.36% -3.4% YoY -1.5% QoQ	-3.80%	15.16% +2.0% YoY	16.04% +1.8% YoY	17.06% +0.8% YoY	21%
Non-Interest Income / Assets ?	0.23% +8.7% YoY -76.3% QoQ	-0.03%	0.26% +1.6% YoY	0.79% -14.5% YoY	0.32% +4.1% YoY	78%

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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 (3)

Capital Thin

risk

#44 of 221 • Bottom 19.5% 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: 11.36%

(Tier: 15.16%, National: 17.06%)

worse than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ

Deposit Outflow

decline

#54 of 130 • Bottom 40.8% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

130 of 130 Mid-Market banks match · 656 nationally

→ Stable -8 banks QoQ

Flatlined Growth

risk

#69 of 150 • Bottom 45.3% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 1.23%

(Tier: 1.37%, National: 1.23%)

worse than tier avg

150 of 150 Mid-Market banks match · 687 nationally

→ Stable +32 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 884 peers in $1B-$10B

Top Strengths (5 metrics)

144

Nonperforming Asset Ratio

credit_quality

Value: 0.11%

Peer Median: 0.67%

#144 of 884 Top 16.2% in $1B-$10B

158

Delinquency Rate

credit_quality

Value: 0.17%

Peer Median: 0.89%

#158 of 880 Top 17.8% in $1B-$10B

182

Loan-to-Deposit Ratio

liquidity

Value: 72.12%

Peer Median: 84.20%

#182 of 884 Top 20.5% in $1B-$10B

197

Non-Interest Income / Assets

revenue_mix

Value: 0.23%

Peer Median: 0.26%

#197 of 884 Top 22.2% in $1B-$10B

214

Total Deposits

size

Value: $2.87B

Peer Median: $2.34B

#214 of 884 Top 24.1% in $1B-$10B

Top Weaknesses (2 metrics)

697

Tier 1 Capital Ratio

capital

Value: 11.36%

Peer Median: 15.16%

#697 of 884 Bottom 21.3% in $1B-$10B

679

Net Interest Margin

profitability

Value: 3.17%

Peer Median: 3.82%

#679 of 884 Bottom 23.3% in $1B-$10B