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

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 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in IN.
Deposits +1.3% year over year ($2.7B on the books).
Delinquency rate 0.15%.
Return on assets 1.37%.
Efficiency ratio 56.87% vs a 59.73% peer average.
Loan-to-deposit ratio 79.39% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 16 in IN

View $1B-$10B leaderboard (IN) →

The National Bank of Indianapolis has 2 strengths but faces 2 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

+ Credit Quality Leader: Top 47.5% in tier
+ Efficiency Ratio 2.85% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 58.7% in tier
- Net Interest Margin 0.65% below tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Total Assets ?	$3.0B +5.5% YoY -2.9% QoQ	+$244.3M	$2.8B -0.6% YoY	$2.5B +3.7% YoY	$6.3B +7.7% YoY	71%
Total Loans ?	$2.1B +16.2% YoY +2.5% QoQ	+$158.2M	$2.0B -0.3% YoY	$1.8B +5.7% YoY	$3.2B +9.4% YoY	70%
Total Deposits ?	$2.7B +1.3% YoY -6.8% QoQ	+$353.3M	$2.3B -0.5% YoY	$2.0B +3.4% YoY	$4.9B +7.3% YoY	73%
Return on Assets ?	1.37% +8.9% YoY +11.7% QoQ	-0.02%	1.39% +17.0% YoY	1.07% +3.3% YoY	1.30% +12.1% YoY	60%
Net Interest Margin ?	3.22% +2.4% YoY +1.7% QoQ	-0.65%	3.87% +6.2% YoY	3.70% +8.1% YoY	3.95% +4.9% YoY	22%
Efficiency Ratio ?	56.87% -1.6% YoY -3.7% QoQ	-2.85%	59.73% -12.6% YoY	77.20% +13.2% YoY	70.05% +2.5% YoY	58%
Delinquency Rate ?	0.15% -34.8% YoY -8.5% QoQ	-0.71%	0.87% +11.7% YoY	0.91% +27.8% YoY	0.98% +16.3% YoY	82%
Loan-to-Deposit Ratio ?	79.39% +14.7% YoY +10.1% QoQ	-5.64%	85.04% -0.1% YoY	81.91% +1.2% YoY	79.03% +2.3% YoY	69%
Non-Interest-Bearing Deposit Share ?	13.49% -15.5% YoY -7.9% QoQ	-7.78%	21.27% -1.5% YoY	16.57% -2.9% YoY	21.98% -0.6% YoY	21%
Nonperforming Asset Ratio ?	0.11% -28.2% YoY -3.3% QoQ	-0.57%	0.67% +11.7% YoY	0.69% +42.1% YoY	0.69% +15.8% YoY	84%
Tier 1 Capital Ratio ?	11.42% -3.2% YoY +0.6% QoQ	-3.42%	14.84% -0.4% YoY	16.20% +1.2% YoY	17.09% +0.8% YoY	24%
Non-Interest Income / Assets ?	0.54% +5.2% YoY +131.1% QoQ	+0.01%	0.53% +2.5% YoY	1.78% -1.3% YoY	0.66% +5.2% YoY	83%

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	13.5% -2.5pp YoY -1.2pp QoQ	-7.9pp	21.4%	16.8%	22.2%	21%
Brokered Deposits	n/a	n/a	9.5%	7.2%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
C&I	24.3% +0.5pp YoY -0.7pp QoQ	+10.3pp	14.0%	11.1%	12.5%	87%
CRE	48.6% +1.6pp YoY +0.8pp QoQ	-1.5pp	50.0%	36.2%	41.4%	45%
1-4 Family	24.3% -2.1pp YoY -0.1pp QoQ	-2.2pp	26.4%	40.0%	31.3%	52%
Consumer	2.0% -0.1pp YoY -0.1pp QoQ	-2.7pp	4.7%	3.2%	5.0%	64%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
CET1 Ratio	11.4% -0.4pp YoY +0.1pp QoQ	-4.2pp	15.6%	17.5%	19.7%	16%
Leverage Ratio	9.3% +0.6pp YoY +0.3pp QoQ	-2.0pp	11.3%	13.0%	12.6%	18%
Total Capital Ratio	12.5% -0.4pp YoY 0.0pp QoQ	-4.2pp	16.7%	18.7%	20.8%	15%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Full-Time Employees	312 -17 (-5.2%) YoY -5 (-1.6%) QoQ	-2	313	237	482	68%
Assets per Employee ($)	$9.7M +11.3% YoY -1.4% QoQ	-$746K	$10.5M	$7.5M	$8.8M	63%
Branch Count	13 0 YoY 0 QoQ	-7	20	17	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.2%	0.4%	n/a
Nonaccrual	0.2% -0.1pp YoY 0.0pp QoQ	-0.7pp	0.8%	0.8%	1.0%	17%
Allowance Coverage	7.96x +38.5% YoY +4.3% QoQ	-10.75x	18.71x	6.71x	20.23x	85%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.2%	44%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
ROE	18.2% -0.6pp YoY +1.6pp QoQ	+5.6pp	12.6%	11.2%	11.6%	86%
Cost of Funds (YTD)	2.0% -0.2pp YoY 0.0pp QoQ	+0.1pp	1.9%	1.8%	1.7%	59%
Net Income ($, YTD)	$21.1M +12.5% YoY — QoQ	+$1.9M	$19.2M	$16.3M	$40.4M	71%

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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)

Credit Quality Leader

growth

#106 of 221 • Top 47.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.15%

(Tier: 0.87%, National: 0.98%)

better than tier avg

221 of 221 Mid-Market banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

NIB Deposit Bleed

decline

#28 of 46 • Bottom 58.7% 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: 13.49%

(Tier: 21.27%, National: 21.98%)

worse than tier avg

46 of 46 Mid-Market banks match · 211 nationally

↓ Shrinking -26 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 885 peers in $1B-$10B

Top Strengths (3 metrics)

143

Nonperforming Asset Ratio

credit_quality

Value: 0.11%

Peer Median: 0.67%

#143 of 885 Top 16.0% in $1B-$10B

155

Non-Interest Income / Assets

revenue_mix

Value: 0.54%

Peer Median: 0.53%

#155 of 885 Top 17.4% in $1B-$10B

158

Delinquency Rate

credit_quality

Value: 0.15%

Peer Median: 0.87%

#158 of 882 Top 17.8% in $1B-$10B

Top Weaknesses (3 metrics)

697

Non-Interest-Bearing Deposit Share

funding

Value: 13.49%

Peer Median: 21.27%

#697 of 885 Bottom 21.4% in $1B-$10B

687

Net Interest Margin

profitability

Value: 3.22%

Peer Median: 3.87%

#687 of 885 Bottom 22.5% in $1B-$10B

670

Tier 1 Capital Ratio

capital

Value: 11.42%

Peer Median: 14.84%

#670 of 885 Bottom 24.4% in $1B-$10B