BlastPoint's Banking Scorecard
Jackson County Bank
Community
Specialty: Commercial
IN
FDIC cert 13109
Seymour, IN
1484
banks in Community tier nationally
29 in IN
View Community leaderboard (IN) →
Jackson County Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.46% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 20.17% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+8.5% YoY
+2.1% QoQ
|
-$325.5M |
$1.4B
+2.0% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
54% |
| Total Loans ? |
$869.9M
+8.6% YoY
+1.7% QoQ
|
-$105.6M |
$975.5M
+2.4% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
62% |
| Total Deposits ? |
$842.6M
+7.1% YoY
+3.3% QoQ
|
-$322.0M |
$1.2B
+1.7% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
50% |
| Return on Assets ? |
0.85%
+14.3% YoY
-0.4% QoQ
|
-0.32% |
1.16%
+17.2% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
28% |
| Net Interest Margin ? |
3.47%
+12.0% YoY
-0.0% QoQ
|
-0.19% |
3.66%
+9.1% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
41% |
| Efficiency Ratio ? |
72.93%
-2.5% YoY
+0.4% QoQ
|
+10.30% |
62.63%
-5.3% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
21% |
| Delinquency Rate ? |
0.62%
+67.3% YoY
+56.7% QoQ
|
-0.01% |
0.63%
+18.3% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
103.24%
+1.5% YoY
-1.6% QoQ
|
+20.17% |
83.06%
+0.3% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.91%
-7.3% YoY
-0.7% QoQ
|
-4.13% |
21.05%
-0.9% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
34% |
| Nonperforming Asset Ratio ? |
0.50%
+67.5% YoY
+56.0% QoQ
|
+0.01% |
0.50%
+20.3% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
38% |
| Tier 1 Capital Ratio ? |
10.91%
+1.3% YoY
-1.5% QoQ
|
+0.67% |
10.24%
-0.6% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
36% |
| Non-Interest Income / Assets ? |
1.20%
+0.4% YoY
+31.4% QoQ
|
+0.46% |
0.74%
-1.3% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
Top 10% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 10%
in Community
Why this stands out
Current:
1.20%
(Tier avg: 0.74%, National avg: 0.65%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 8%
in Community
Why this stands out
Current:
103.24%
(Tier avg: 83.06%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Non-Interest Income / Assets
Current: 1.20% · Tier avg: 0.74%
62
62th pctile
Total Loans
Current: $869.9M · Tier avg: $975.5M
54
54th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
50
50th pctile
Total Deposits
Current: $842.6M · Tier avg: $1.2B
41
41th pctile
Net Interest Margin
Current: 3.47% · Tier avg: 3.66%
40
40th pctile
Delinquency Rate
Current: 0.62% · Tier avg: 0.63%
38
38th pctile
Nonperforming Asset Ratio
Current: 0.50% · Tier avg: 0.50%
36
36th pctile
Tier 1 Capital Ratio
Current: 10.91% · Tier avg: 10.24%
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 16.91% · Tier avg: 21.05%
28
28th pctile
Return on Assets
Current: 0.85% · Tier avg: 1.16%
21
21th pctile
Efficiency Ratio
Current: 72.93% · Tier avg: 62.63%
8
8th pctile
Loan-to-Deposit Ratio
Current: 103.24% · Tier avg: 83.06%
Top Weaknesses
8
8th pctile
Loan-to-Deposit Ratio
Current: 103.24% · Tier avg: 83.06%
21
21th pctile
Efficiency Ratio
Current: 72.93% · Tier avg: 62.63%
28
28th pctile
Return on Assets
Current: 0.85% · Tier avg: 1.16%
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 16.91% · Tier avg: 21.05%
36
36th pctile
Tier 1 Capital Ratio
Current: 10.91% · Tier avg: 10.24%
38
38th pctile
Nonperforming Asset Ratio
Current: 0.50% · Tier avg: 0.50%
40
40th pctile
Delinquency Rate
Current: 0.62% · Tier avg: 0.63%
41
41th pctile
Net Interest Margin
Current: 3.47% · Tier avg: 3.66%
50
50th pctile
Total Deposits
Current: $842.6M · Tier avg: $1.2B
54
54th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
62
62th pctile
Total Loans
Current: $869.9M · Tier avg: $975.5M
90
90th pctile
Non-Interest Income / Assets
Current: 1.20% · Tier avg: 0.74%