BlastPoint's Banking Scorecard

FCN Bank, National Association

$100M-$1B Specialty: Commercial IN FDIC cert 4319

Brookville, IN

6 branches across IN · OH

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 60 in IN.
Deposits +1.8% year over year ($706.5M on the books).
Delinquency rate 0.02%.
Return on assets 1.06%.
Efficiency ratio 63.03% vs a 64.48% peer average.
Loan-to-deposit ratio 77.49% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 60 in IN

View $100M-$1B leaderboard (IN) →

FCN Bank, National Association 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 24.6% in tier
+ Efficiency Ratio 1.45% below tier average

Key Concerns

Areas that may need attention

- ROA 0.26% below tier average
- Net Interest Margin 0.80% below tier average

Get updates when FCN Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Total Assets ?	$812.5M +4.6% YoY +1.9% QoQ	+$425.9M	$386.6M +1.2% YoY	$2.5B +3.7% YoY	$6.3B +7.7% YoY	Top 7.3% in tier
Total Loans ?	$547.4M +11.4% YoY +5.2% QoQ	+$289.1M	$258.3M +1.7% YoY	$1.8B +5.7% YoY	$3.2B +9.4% YoY	Top 8.2% in tier
Total Deposits ?	$706.5M +1.8% YoY +1.4% QoQ	+$379.7M	$326.7M +0.7% YoY	$2.0B +3.4% YoY	$4.9B +7.3% YoY	Top 6.3% in tier
Return on Assets ?	1.06% +42.4% YoY +9.3% QoQ	-0.26%	1.32% +10.8% YoY	1.07% +3.3% YoY	1.30% +12.1% YoY	38%
Net Interest Margin ?	3.19% +16.2% YoY +2.2% QoQ	-0.80%	3.99% +5.0% YoY	3.70% +8.1% YoY	3.95% +4.9% YoY	16%
Efficiency Ratio ?	63.03% -12.7% YoY -5.0% QoQ	-1.45%	64.48% -3.2% YoY	77.20% +13.2% YoY	70.05% +2.5% YoY	48%
Delinquency Rate ?	0.02% -34.6% YoY -9.1% QoQ	-0.90%	0.92% +15.7% YoY	0.91% +27.8% YoY	0.98% +16.3% YoY	85%
Loan-to-Deposit Ratio ?	77.49% +9.4% YoY +3.7% QoQ	-0.46%	77.95% +1.0% YoY	81.91% +1.2% YoY	79.03% +2.3% YoY	55%
Non-Interest-Bearing Deposit Share ?	21.09% -1.1% YoY -3.0% QoQ	-0.94%	22.03% -0.6% YoY	16.57% -2.9% YoY	21.98% -0.6% YoY	50%
Nonperforming Asset Ratio ?	0.01% -30.3% YoY -6.2% QoQ	-0.66%	0.67% +16.4% YoY	0.69% +42.1% YoY	0.69% +15.8% YoY	Top 14.0% in tier
Tier 1 Capital Ratio ?	14.01% +1.3% YoY -0.6% QoQ	-1.90%	15.91% +1.4% YoY	16.20% +1.2% YoY	17.09% +0.8% YoY	57%
Non-Interest Income / Assets ?	0.20% -4.1% YoY +103.8% QoQ	-0.37%	0.57% +7.6% YoY	1.78% -1.3% YoY	0.66% +5.2% YoY	49%

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	21.1% -0.2pp YoY -0.7pp QoQ	-1.1pp	22.1%	16.8%	22.2%	50%
Brokered Deposits	n/a	n/a	7.9%	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	8.3% -0.1pp YoY -0.5pp QoQ	-3.2pp	11.6%	11.1%	12.5%	42%
CRE	50.8% +1.2pp YoY +1.5pp QoQ	+11.3pp	39.5%	36.2%	41.4%	71%
1-4 Family	33.3% +0.7pp YoY 0.0pp QoQ	+0.6pp	32.6%	40.0%	31.3%	58%
Consumer	1.3% -0.3pp YoY 0.0pp QoQ	-2.8pp	4.1%	3.2%	5.0%	36%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
CET1 Ratio	14.0% +0.2pp YoY -0.1pp QoQ	-4.8pp	18.8%	17.5%	19.7%	39%
Leverage Ratio	9.9% +0.2pp YoY 0.0pp QoQ	-2.3pp	12.2%	13.0%	12.6%	29%
Total Capital Ratio	15.2% +0.2pp YoY -0.1pp QoQ	-4.8pp	19.9%	18.7%	20.8%	39%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Full-Time Employees	120 -7 (-5.5%) YoY -1 (-0.8%) QoQ	+61	58	237	482	92%
Assets per Employee ($)	$6.8M +10.7% YoY +2.7% QoQ	-$747K	$7.5M	$7.5M	$8.8M	48%
Branch Count	6 0 YoY 0 QoQ	+1	4	17	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.2%	0.4%	n/a
Nonaccrual	0.0% 0.0pp YoY 0.0pp QoQ	-0.9pp	0.9%	0.8%	1.0%	4%
Allowance Coverage	73.99x +39.9% YoY +6.7% QoQ	+49.84x	24.15x	6.71x	20.23x	95%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	10%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
ROE	13.5% +1.9pp YoY +1.0pp QoQ	+1.3pp	12.2%	11.2%	11.6%	59%
Cost of Funds (YTD)	1.8% -0.2pp YoY 0.0pp QoQ	+0.1pp	1.7%	1.8%	1.7%	57%
Net Income ($, YTD)	$4.3M +45.6% YoY — QoQ	+$1.7M	$2.6M	$16.3M	$40.4M	82%

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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 (1)

Credit Quality Leader

growth

#163 of 659 • Top 24.6% in tier

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

Why this signature

Delinquency Rate: 0.02%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

168

Total Deposits

size

Value: $706.48M

Peer Median: $326.73M

#168 of 2643 Top 6.3% in $100M-$1B

195

Total Assets

size

Value: $812.49M

Peer Median: $386.57M

#195 of 2643 Top 7.3% in $100M-$1B

217

Total Loans

size

Value: $547.43M

Peer Median: $258.35M

#217 of 2643 Top 8.2% in $100M-$1B

370

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.67%

#370 of 2643 Top 14.0% in $100M-$1B

404

Delinquency Rate

credit_quality

Value: 0.02%

Peer Median: 0.92%

#404 of 2633 Top 15.3% in $100M-$1B

Top Weaknesses (1 metrics)

2232

Net Interest Margin

profitability

Value: 3.19%

Peer Median: 3.99%

#2232 of 2643 Bottom 15.6% in $100M-$1B