BlastPoint's Banking Scorecard
First National Bank
Cloverdale, IN
7 branches across IN
First National Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.61% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 26.1% in tier
- - ROA 0.89% below tier average
- - Net Interest Margin 0.95% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$420.2M
+4.0% YoY
-1.3% QoQ
|
+$34.1M |
$386.1M
+0.5% YoY
|
$2.5B
+12.1% YoY
|
$6.2B
+9.1% YoY
|
64% |
| Total Loans ? |
$214.1M
+8.4% YoY
-3.4% QoQ
|
-$41.6M |
$255.7M
+1.1% YoY
|
$1.7B
+14.1% YoY
|
$3.2B
+10.8% YoY
|
52% |
| Total Deposits ? |
$384.8M
+3.5% YoY
-1.5% QoQ
|
+$56.8M |
$328.0M
+0.1% YoY
|
$2.0B
+11.8% YoY
|
$4.8B
+8.2% YoY
|
68% |
| Return on Assets ? |
0.38%
-21.6% YoY
-21.0% QoQ
|
-0.89% |
1.27%
+12.9% YoY
|
0.81%
-6.6% YoY
|
1.23%
+13.4% YoY
|
Bottom 10.2% in tier |
| Net Interest Margin ? |
2.98%
-0.8% YoY
-3.9% QoQ
|
-0.95% |
3.93%
+6.0% YoY
|
3.60%
+8.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 10.8% in tier |
| Efficiency Ratio ? |
86.14%
+5.5% YoY
+4.6% QoQ
|
+20.85% |
65.29%
-4.5% YoY
|
105.71%
+27.0% YoY
|
66.95%
-4.1% YoY
|
Bottom 9.4% in tier |
| Delinquency Rate ? |
0.28%
-8.2% YoY
+24.2% QoQ
|
-0.61% |
0.89%
+18.8% YoY
|
0.90%
+15.9% YoY
|
0.95%
+18.8% YoY
|
58% |
| Loan-to-Deposit Ratio ? |
55.64%
+4.8% YoY
-1.9% QoQ
|
-21.00% |
76.64%
+0.8% YoY
|
81.10%
+0.7% YoY
|
76.70%
+0.9% YoY
|
Top 14.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.65%
-1.1% YoY
+2.7% QoQ
|
-1.37% |
22.02%
-1.0% YoY
|
17.15%
-0.9% YoY
|
22.01%
-1.2% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.14%
-4.3% YoY
+21.6% QoQ
|
-0.50% |
0.64%
+19.7% YoY
|
0.67%
+21.6% YoY
|
0.67%
+19.3% YoY
|
66% |
| Tier 1 Capital Ratio ? |
17.41%
-1.8% YoY
+3.9% QoQ
|
+1.58% |
15.83%
+1.5% YoY
|
16.04%
+1.8% YoY
|
17.06%
+0.8% YoY
|
79% |
| Non-Interest Income / Assets ? |
0.11%
-3.6% YoY
-76.4% QoQ
|
-0.17% |
0.28%
+9.3% YoY
|
0.79%
-14.5% YoY
|
0.32%
+4.1% YoY
|
57% |
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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 (1)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.