BlastPoint's Banking Scorecard
The Peoples Bank
Brownstown, IN
4 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 60 in IN.
- Deposits -2.1% year over year ($298.6M on the books).
- Delinquency rate 0.81%.
- Return on assets 1.32%.
- Efficiency ratio 56.54% vs a 64.48% peer average.
- Loan-to-deposit ratio 51.07% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Peoples Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 7.94% below tier average
- + Delinquency Rate 0.10% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 7.7% in tier
- - Net Interest Margin 0.31% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$323.8M
-0.2% YoY
-0.6% QoQ
|
-$62.8M |
$386.6M
+1.2% YoY
|
$2.5B
+3.7% YoY
|
$6.3B
+7.7% YoY
|
50% |
| Total Loans ? |
$152.5M
+20.3% YoY
+4.8% QoQ
|
-$105.9M |
$258.3M
+1.7% YoY
|
$1.8B
+5.7% YoY
|
$3.2B
+9.4% YoY
|
36% |
| Total Deposits ? |
$298.6M
-2.1% YoY
-0.8% QoQ
|
-$28.1M |
$326.7M
+0.7% YoY
|
$2.0B
+3.4% YoY
|
$4.9B
+7.3% YoY
|
55% |
| Return on Assets ? |
1.32%
+21.0% YoY
+8.4% QoQ
|
+0.00% |
1.32%
+10.8% YoY
|
1.07%
+3.3% YoY
|
1.30%
+12.1% YoY
|
54% |
| Net Interest Margin ? |
3.68%
+10.0% YoY
+4.9% QoQ
|
-0.31% |
3.99%
+5.0% YoY
|
3.70%
+8.1% YoY
|
3.95%
+4.9% YoY
|
36% |
| Efficiency Ratio ? |
56.54%
-7.9% YoY
-3.3% QoQ
|
-7.94% |
64.48%
-3.2% YoY
|
77.20%
+13.2% YoY
|
70.05%
+2.5% YoY
|
68% |
| Delinquency Rate ? |
0.81%
-30.0% YoY
+58.2% QoQ
|
-0.10% |
0.92%
+15.7% YoY
|
0.91%
+27.8% YoY
|
0.98%
+16.3% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
51.07%
+22.9% YoY
+5.6% QoQ
|
-26.89% |
77.95%
+1.0% YoY
|
81.91%
+1.2% YoY
|
79.03%
+2.3% YoY
|
Top 9.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.02%
+8.3% YoY
-3.6% QoQ
|
-9.01% |
22.03%
-0.6% YoY
|
16.57%
-2.9% YoY
|
21.98%
-0.6% YoY
|
18% |
| Nonperforming Asset Ratio ? |
0.38%
-15.7% YoY
+66.7% QoQ
|
-0.29% |
0.67%
+16.4% YoY
|
0.69%
+42.1% YoY
|
0.69%
+15.8% YoY
|
45% |
| Tier 1 Capital Ratio ? |
9.32%
-53.7% YoY
-55.7% QoQ
|
-6.58% |
15.91%
+1.4% YoY
|
16.20%
+1.2% YoY
|
17.09%
+0.8% YoY
|
Bottom 3.2% in tier |
| Non-Interest Income / Assets ? |
0.21%
+1.8% YoY
+106.3% QoQ
|
-0.36% |
0.57%
+7.6% YoY
|
1.78%
-1.3% YoY
|
0.66%
+5.2% YoY
|
52% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
13.0%
+1.0pp YoY -0.5pp QoQ |
-9.1pp | 22.1% | 16.8% | 22.2% | 17% |
| 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 |
4.7%
-0.5pp YoY -0.1pp QoQ |
-6.9pp | 11.6% | 11.1% | 12.5% | 18% |
| CRE | n/a | n/a | 39.5% | 36.2% | 41.4% | n/a |
| 1-4 Family |
58.6%
-1.7pp YoY +0.8pp QoQ |
+25.9pp | 32.6% | 40.0% | 31.3% | 89% |
| Consumer |
11.0%
-2.2pp YoY -0.6pp QoQ |
+6.9pp | 4.1% | 3.2% | 5.0% | 94% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 17.5% | 19.7% | n/a |
| Leverage Ratio |
9.3%
+0.4pp YoY -0.2pp QoQ |
-2.8pp | 12.2% | 13.0% | 12.6% | 18% |
| Total Capital Ratio | n/a | n/a | 19.9% | 18.7% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
48
+3 (+6.7%) YoY +1 (+2.1%) QoQ |
-11 | 58 | 237 | 482 | 50% |
| Assets per Employee ($) |
$6.7M
-6.4% YoY -2.6% QoQ |
-$772K | $7.5M | $7.5M | $8.8M | 47% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 17 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.8%
-0.3pp YoY +0.3pp QoQ |
-0.1pp | 0.9% | 0.8% | 1.0% | 67% |
| Allowance Coverage |
1.01x
+22.3% YoY -36.2% QoQ |
-23.14x | 24.15x | 6.71x | 20.23x | 27% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 31% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
18.2%
-1.9pp YoY +1.2pp QoQ |
+6.0pp | 12.2% | 11.2% | 11.6% | 82% |
| Cost of Funds (YTD) |
0.7%
0.0pp YoY 0.0pp QoQ |
-1.0pp | 1.7% | 1.8% | 1.7% | 4% |
| Net Income ($, YTD) |
$2.1M
+27.4% YoY — QoQ |
-$419K | $2.6M | $16.3M | $40.4M | 55% |
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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)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.