BlastPoint's Banking Scorecard

The Riddell National Bank

$100M-$1B Specialty: Commercial IN FDIC cert 4318

Brazil, IN

5 branches across IN

2664 banks in the $100M-$1B peer group nationally 60 in IN

The Riddell National Bank faces 4 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.34% below tier average
- Net Interest Margin 0.15% below tier average
- Efficiency Ratio 1.52% above tier average
- Delinquency Rate 0.18% above 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 ?	$381.0M +6.6% YoY +4.1% QoQ	-$5.0M	$386.1M +0.5% YoY	$2.5B +12.1% YoY	$6.2B +9.1% YoY	58%
Total Loans ?	$286.5M +7.1% YoY +1.4% QoQ	+$30.8M	$255.7M +1.1% YoY	$1.7B +14.1% YoY	$3.2B +10.8% YoY	65%
Total Deposits ?	$344.6M +7.7% YoY +5.3% QoQ	+$16.7M	$328.0M +0.1% YoY	$2.0B +11.8% YoY	$4.8B +8.2% YoY	62%
Return on Assets ?	0.93% +50.0% YoY +9.5% QoQ	-0.34%	1.27% +12.9% YoY	0.81% -6.6% YoY	1.23% +13.4% YoY	33%
Net Interest Margin ?	3.78% +17.1% YoY +6.5% QoQ	-0.15%	3.93% +6.0% YoY	3.60% +8.5% YoY	3.89% +5.7% YoY	45%
Efficiency Ratio ?	66.81% -8.3% YoY -3.7% QoQ	+1.52%	65.29% -4.5% YoY	105.71% +27.0% YoY	66.95% -4.1% YoY	40%
Delinquency Rate ?	1.07% -0.1% YoY -12.9% QoQ	+0.18%	0.89% +18.8% YoY	0.90% +15.9% YoY	0.95% +18.8% YoY	27%
Loan-to-Deposit Ratio ?	83.14% -0.5% YoY -3.7% QoQ	+6.51%	76.64% +0.8% YoY	81.10% +0.7% YoY	76.70% +0.9% YoY	39%
Non-Interest-Bearing Deposit Share ?	20.03% -0.4% YoY +3.7% QoQ	-1.99%	22.02% -1.0% YoY	17.15% -0.9% YoY	22.01% -1.2% YoY	45%
Nonperforming Asset Ratio ?	0.93% -2.1% YoY -13.7% QoQ	+0.30%	0.64% +19.7% YoY	0.67% +21.6% YoY	0.67% +19.3% YoY	21%
Tier 1 Capital Ratio ?	10.79% +0.2% YoY -1.4% QoQ	-5.04%	15.83% +1.5% YoY	16.04% +1.8% YoY	17.06% +0.8% YoY	21%
Non-Interest Income / Assets ?	0.14% -15.5% YoY -78.2% QoQ	-0.14%	0.28% +9.3% YoY	0.79% -14.5% YoY	0.32% +4.1% YoY	70%

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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 (0)

No matched concern signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

2117

Tier 1 Capital Ratio

capital

Value: 10.79%

Peer Median: 15.83%

#2117 of 2664 Bottom 20.6% in $100M-$1B

2094

Nonperforming Asset Ratio

credit_quality

Value: 0.93%

Peer Median: 0.64%

#2094 of 2664 Bottom 21.4% in $100M-$1B