BlastPoint

BlastPoint's Banking Scorecard

1st Source Bank

$1B-$10B Specialty: Commercial IN FDIC cert 9087

South Bend, IN

81 branches across IN · MI · FL

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 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in IN.
  • Deposits -0.1% year over year ($7.4B on the books).
  • Delinquency rate 1.02%.
  • Return on assets 1.99%.
  • Efficiency ratio 46.45% vs a 59.73% peer average.
  • Loan-to-deposit ratio 94.97% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 16 in IN
View $1B-$10B leaderboard (IN) →

1st Source Bank has 4 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

  • + Revenue Diversifier: Top 45.5% in tier
  • + Profitability Leader: Top 48.6% in tier
  • + Net Interest Margin 0.51% above tier average
  • + Efficiency Ratio 13.28% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 16.9% in tier
  • - Delinquency Rate 0.15% above tier average
Get updates when 1st Source Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Total Assets ? $9.3B
+1.9% YoY +1.6% QoQ
+$6.5B $2.8B
-0.6% YoY
$2.5B
+3.7% YoY
$6.3B
+7.7% YoY
Top 1.2% in tier
Total Loans ? $7.1B
+1.7% YoY +2.0% QoQ
+$5.1B $2.0B
-0.3% YoY
$1.8B
+5.7% YoY
$3.2B
+9.4% YoY
Top 1.0% in tier
Total Deposits ? $7.4B
-0.1% YoY +2.8% QoQ
+$5.1B $2.3B
-0.5% YoY
$2.0B
+3.4% YoY
$4.9B
+7.3% YoY
Top 1.9% in tier
Return on Assets ? 1.99%
+13.5% YoY +8.8% QoQ
+0.60% 1.39%
+17.0% YoY
1.07%
+3.3% YoY
1.30%
+12.1% YoY
Top 12.1% in tier
Net Interest Margin ? 4.38%
+7.4% YoY +1.1% QoQ
+0.51% 3.87%
+6.2% YoY
3.70%
+8.1% YoY
3.95%
+4.9% YoY
83%
Efficiency Ratio ? 46.45%
-3.5% YoY -1.7% QoQ
-13.28% 59.73%
-12.6% YoY
77.20%
+13.2% YoY
70.05%
+2.5% YoY
Top 14.6% in tier
Delinquency Rate ? 1.02%
-4.5% YoY -3.5% QoQ
+0.15% 0.87%
+11.7% YoY
0.91%
+27.8% YoY
0.98%
+16.3% YoY
27%
Loan-to-Deposit Ratio ? 94.97%
+1.9% YoY -0.8% QoQ
+9.93% 85.04%
-0.1% YoY
81.91%
+1.2% YoY
79.03%
+2.3% YoY
26%
Non-Interest-Bearing Deposit Share ? 21.61%
+1.6% YoY -5.7% QoQ
+0.34% 21.27%
-1.5% YoY
16.57%
-2.9% YoY
21.98%
-0.6% YoY
59%
Nonperforming Asset Ratio ? 0.78%
-4.5% YoY -3.0% QoQ
+0.10% 0.67%
+11.7% YoY
0.69%
+42.1% YoY
0.69%
+15.8% YoY
29%
Tier 1 Capital Ratio ? 15.36%
+4.5% YoY +0.5% QoQ
+0.51% 14.84%
-0.4% YoY
16.20%
+1.2% YoY
17.09%
+0.8% YoY
77%
Non-Interest Income / Assets ? 0.52%
-1.2% YoY +106.7% QoQ
-0.01% 0.53%
+2.5% YoY
1.78%
-1.3% YoY
0.66%
+5.2% YoY
82%

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 21.6%
+0.3pp YoY
-1.3pp QoQ
 +0.2pp 21.4% 16.8% 22.2% 59%
Brokered Deposits 4.0%
-3.3pp YoY
+0.4pp QoQ
 -5.5pp 9.5% 7.2% 8.5% 41%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
C&I 68.0%
-0.4pp YoY
+0.7pp QoQ
 +54.0pp 14.0% 11.1% 12.5% 99%
CRE 17.3%
+0.6pp YoY
-0.4pp QoQ
 -32.8pp 50.0% 36.2% 41.4% 2%
1-4 Family 11.0%
+0.5pp YoY
+0.1pp QoQ
 -15.4pp 26.4% 40.0% 31.3% 20%
Consumer 1.5%
-0.2pp YoY
-0.1pp QoQ
 -3.2pp 4.7% 3.2% 5.0% 56%

Capital

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
CET1 Ratio 14.8%
+0.9pp YoY
+0.1pp QoQ
 -0.8pp 15.6% 17.5% 19.7% 68%
Leverage Ratio 13.7%
+0.5pp YoY
0.0pp QoQ
 +2.4pp 11.3% 13.0% 12.6% 89%
Total Capital Ratio 16.6%
+0.7pp YoY
+0.1pp QoQ
 -0.1pp 16.7% 18.7% 20.8% 74%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Full-Time Employees 1,234
+18 (+1.5%) YoY
+39 (+3.3%) QoQ
 +920 313 237 482 99%
Assets per Employee ($) $7.5M
+0.4% YoY
-1.6% QoQ
 -$3.0M $10.5M $7.5M $8.8M 31%
Branch Count 81
0 YoY
0 QoQ
 +61 20 17 18 98%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.2% 0.4% 49%
Nonaccrual 1.0%
0.0pp YoY
0.0pp QoQ
 +0.2pp 0.8% 0.8% 1.0% 74%
Allowance Coverage 2.32x
+4.7% YoY
+2.5% QoQ
 -16.39x 18.71x 6.71x 20.23x 55%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
-0.1pp QoQ
 -0.1pp 0.3% 0.1% 0.2% 72%

Profitability

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
ROE 14.7%
+0.5pp YoY
+1.2pp QoQ
 +2.1pp 12.6% 11.2% 11.6% 71%
Cost of Funds (YTD) 1.6%
-0.3pp YoY
0.0pp QoQ
 -0.3pp 1.9% 1.8% 1.7% 33%
Net Income ($, YTD) $90.9M
+15.3% YoY
— QoQ
 +$71.7M $19.2M $16.3M $40.4M 98%

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 (2)

Revenue Diversifier

growth
#102 of 222 • Top 45.5% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.52%
(Tier: 0.53%, National: 0.66%)
but worse than tier avg
Return on Assets: 1.99%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Profitability Leader

growth
#109 of 222 • Top 48.6% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.99%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (1)

Liquidity Strain

risk
#62 of 361 • Bottom 16.9% 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: 94.97%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 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).
Comparing against 885 peers in $1B-$10B

Top Strengths (8 metrics)

10
Total Loans
size
Value: $7.06B
Peer Median: $1.96B
#10 of 885 Top 1.0% in $1B-$10B
12
Total Assets
size
Value: $9.26B
Peer Median: $2.79B
#12 of 885 Top 1.2% in $1B-$10B
18
Total Deposits
size
Value: $7.43B
Peer Median: $2.32B
#18 of 885 Top 1.9% in $1B-$10B
108
Return on Assets
profitability
Value: 1.99%
Peer Median: 1.39%
#108 of 885 Top 12.1% in $1B-$10B
130
Efficiency Ratio
profitability
Value: 46.45%
Peer Median: 59.73%
#130 of 885 Top 14.6% in $1B-$10B
151
Net Interest Margin
profitability
Value: 4.38%
Peer Median: 3.87%
#151 of 885 Top 16.9% in $1B-$10B
164
Non-Interest Income / Assets
revenue_mix
Value: 0.52%
Peer Median: 0.53%
#164 of 885 Top 18.4% in $1B-$10B
208
Tier 1 Capital Ratio
capital
Value: 15.36%
Peer Median: 14.84%
#208 of 885 Top 23.4% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
Powered by BlastPoint © 2026