BlastPoint's Banking Scorecard

First State Bank of Middlebury

$100M-$1B Specialty: Commercial IN FDIC cert 8745

Middlebury, IN

6 branches across IN

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

First State Bank of Middlebury has 3 strengths but faces 3 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

+ ROA 0.29% above tier average
+ Net Interest Margin 0.29% above tier average
+ Efficiency Ratio 8.14% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 27.2% in tier
- Liquidity Strain: Bottom 29.2% in tier
- Delinquency Rate 0.76% 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 ?	$811.8M +1.4% YoY -0.2% QoQ	+$425.7M	$386.1M +0.5% YoY	$2.5B +12.1% YoY	$6.2B +9.1% YoY	Top 7.6% in tier
Total Loans ?	$631.1M +2.7% YoY -0.2% QoQ	+$375.4M	$255.7M +1.1% YoY	$1.7B +14.1% YoY	$3.2B +10.8% YoY	Top 4.9% in tier
Total Deposits ?	$650.5M -0.7% YoY -0.5% QoQ	+$322.6M	$328.0M +0.1% YoY	$2.0B +11.8% YoY	$4.8B +8.2% YoY	Top 9.6% in tier
Return on Assets ?	1.56% +17.0% YoY +20.1% QoQ	+0.29%	1.27% +12.9% YoY	0.81% -6.6% YoY	1.23% +13.4% YoY	71%
Net Interest Margin ?	4.22% +6.9% YoY -0.5% QoQ	+0.29%	3.93% +6.0% YoY	3.60% +8.5% YoY	3.89% +5.7% YoY	69%
Efficiency Ratio ?	57.14% -5.8% YoY +0.2% QoQ	-8.14%	65.29% -4.5% YoY	105.71% +27.0% YoY	66.95% -4.1% YoY	68%
Delinquency Rate ?	1.65% +476.0% YoY -4.8% QoQ	+0.76%	0.89% +18.8% YoY	0.90% +15.9% YoY	0.95% +18.8% YoY	16%
Loan-to-Deposit Ratio ?	97.01% +3.4% YoY +0.3% QoQ	+20.37%	76.64% +0.8% YoY	81.10% +0.7% YoY	76.70% +0.9% YoY	Bottom 12.4% in tier
Non-Interest-Bearing Deposit Share ?	18.97% -4.9% YoY -5.7% QoQ	-3.05%	22.02% -1.0% YoY	17.15% -0.9% YoY	22.01% -1.2% YoY	40%
Nonperforming Asset Ratio ?	1.28% +483.4% YoY -4.8% QoQ	+0.64%	0.64% +19.7% YoY	0.67% +21.6% YoY	0.67% +19.3% YoY	Bottom 14.4% in tier
Tier 1 Capital Ratio ?	16.54% +3.4% YoY +1.2% QoQ	+0.71%	15.83% +1.5% YoY	16.04% +1.8% YoY	17.06% +0.8% YoY	75%
Non-Interest Income / Assets ?	0.15% +8.0% YoY -75.0% QoQ	-0.13%	0.28% +9.3% YoY	0.79% -14.5% YoY	0.32% +4.1% YoY	74%

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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 (2)

Liquidity Overhang

risk

#202 of 739 • Bottom 27.2% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 16.54%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 97.01%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#189 of 643 • Bottom 29.2% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 97.01%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

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 (4 metrics)

131

Total Loans

size

Value: $631.07M

Peer Median: $255.72M

#131 of 2664 Top 4.9% in $100M-$1B

204

Total Assets

size

Value: $811.76M

Peer Median: $386.08M

#204 of 2664 Top 7.6% in $100M-$1B

258

Total Deposits

size

Value: $650.53M

Peer Median: $327.97M

#258 of 2664 Top 9.6% in $100M-$1B

667

Tier 1 Capital Ratio

capital

Value: 16.54%

Peer Median: 15.83%

#667 of 2664 Top 25.0% in $100M-$1B

Top Weaknesses (3 metrics)

2334

Loan-to-Deposit Ratio

liquidity

Value: 97.01%

Peer Median: 76.64%

#2334 of 2664 Bottom 12.4% in $100M-$1B

2282

Nonperforming Asset Ratio

credit_quality

Value: 1.28%

Peer Median: 0.64%

#2282 of 2664 Bottom 14.4% in $100M-$1B

2221

Delinquency Rate

credit_quality

Value: 1.65%

Peer Median: 0.89%

#2221 of 2654 Bottom 16.4% in $100M-$1B