BlastPoint's Banking Scorecard
Hendricks County Bank and Trust Company
Micro
Specialty: Commercial
IN
FDIC cert 13111
Designations: ✓ Community bank
Brownsburg, IN
2498
banks in Micro tier nationally
49 in IN
View Micro leaderboard (IN) →
Hendricks County Bank and Trust Company faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 0.94% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$235.2M
+1.8% YoY
+0.3% QoQ
|
+$17.7M |
$217.5M
+2.3% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
59% |
| Total Loans ? |
$139.7M
+5.0% YoY
+1.1% QoQ
|
+$537K |
$139.2M
+2.8% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
57% |
| Total Deposits ? |
$214.9M
+0.7% YoY
+0.0% QoQ
|
+$31.3M |
$183.7M
+1.8% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
63% |
| Return on Assets ? |
0.14%
-40.8% YoY
|
-0.94% |
1.08%
+14.7% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 9% in tier |
| Net Interest Margin ? |
4.07%
+16.6% YoY
+2.0% QoQ
|
+0.21% |
3.85%
+6.6% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
61% |
| Efficiency Ratio ? |
81.75%
-8.7% YoY
-1.2% QoQ
|
+14.02% |
67.73%
-4.8% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
18% |
| Delinquency Rate ? |
0.28%
-84.6% YoY
-54.4% QoQ
|
-0.36% |
0.64%
+24.4% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
56% |
| Loan-to-Deposit Ratio ? |
65.00%
+4.3% YoY
+1.1% QoQ
|
-9.52% |
74.53%
+0.5% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
27.31%
-4.1% YoY
+0.1% QoQ
|
+4.91% |
22.39%
-1.3% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
71% |
| Nonperforming Asset Ratio ? |
0.17%
-84.2% YoY
-54.0% QoQ
|
-0.28% |
0.45%
+25.1% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
59% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.44%
+1.4% YoY
+42.9% QoQ
|
-0.12% |
0.56%
+0.3% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
62% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Return on Assets
metric
Bottom 9%
in Micro
Why this stands out
Current:
0.14%
(Tier avg: 1.08%, National avg: 1.12%)
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
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 27.31% · Tier avg: 22.39%
69
69th pctile
Loan-to-Deposit Ratio
Current: 65.00% · Tier avg: 74.53%
63
63th pctile
Total Deposits
Current: $214.9M · Tier avg: $183.7M
62
62th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.56%
61
61th pctile
Net Interest Margin
Current: 4.07% · Tier avg: 3.85%
59
59th pctile
Nonperforming Asset Ratio
Current: 0.17% · Tier avg: 0.45%
59
59th pctile
Total Assets
Current: $235.2M · Tier avg: $217.5M
57
57th pctile
Total Loans
Current: $139.7M · Tier avg: $139.2M
56
56th pctile
Delinquency Rate
Current: 0.28% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
18
18th pctile
Efficiency Ratio
Current: 81.75% · Tier avg: 67.73%
9
9th pctile
Return on Assets
Current: 0.14% · Tier avg: 1.08%
Top Weaknesses
9
9th pctile
Return on Assets
Current: 0.14% · Tier avg: 1.08%
18
18th pctile
Efficiency Ratio
Current: 81.75% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
56
56th pctile
Delinquency Rate
Current: 0.28% · Tier avg: 0.64%
57
57th pctile
Total Loans
Current: $139.7M · Tier avg: $139.2M
59
59th pctile
Total Assets
Current: $235.2M · Tier avg: $217.5M
59
59th pctile
Nonperforming Asset Ratio
Current: 0.17% · Tier avg: 0.45%
61
61th pctile
Net Interest Margin
Current: 4.07% · Tier avg: 3.85%
62
62th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.56%
63
63th pctile
Total Deposits
Current: $214.9M · Tier avg: $183.7M
69
69th pctile
Loan-to-Deposit Ratio
Current: 65.00% · Tier avg: 74.53%
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 27.31% · Tier avg: 22.39%