BlastPoint's Banking Scorecard
Peoples Trust and Savings Bank
Micro
Specialty: Mortgage
IN
FDIC cert 13113
Designations: ✓ Community bank
Boonville, IN
2498
banks in Micro tier nationally
49 in IN
View Micro leaderboard (IN) →
Peoples Trust and Savings Bank faces 6 concerns 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 1.22% below tier
- - Net Interest Margin 1.20% below tier
- - Efficiency Ratio 31.66% above tier
- - Delinquency Rate 1.76% above tier
- - Non-Interest-Bearing Deposit Share 21.71% below tier
- - Nonperforming Asset Ratio 1.26% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$244.5M
+0.3% YoY
-0.8% QoQ
|
+$27.1M |
$217.5M
+2.3% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
61% |
| Total Loans ? |
$175.0M
-6.6% YoY
-0.4% QoQ
|
+$35.8M |
$139.2M
+2.8% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
68% |
| Total Deposits ? |
$196.1M
+0.1% YoY
-1.3% QoQ
|
+$12.4M |
$183.7M
+1.8% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
58% |
| Return on Assets ? |
-0.13%
-231.3% YoY
+69.6% QoQ
|
-1.22% |
1.08%
+14.7% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 5% in tier |
| Net Interest Margin ? |
2.65%
+3.2% YoY
+1.0% QoQ
|
-1.20% |
3.85%
+6.6% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 8% in tier |
| Efficiency Ratio ? |
99.38%
+3.5% YoY
-2.6% QoQ
|
+31.66% |
67.73%
-4.8% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 5% in tier |
| Delinquency Rate ? |
2.40%
+364.7% YoY
-28.2% QoQ
|
+1.76% |
0.64%
+24.4% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 10% in tier |
| Loan-to-Deposit Ratio ? |
89.25%
-6.7% YoY
+0.9% QoQ
|
+14.72% |
74.53%
+0.5% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
0.68%
-29.4% YoY
-27.4% QoQ
|
-21.71% |
22.39%
-1.3% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
1.72%
+319.4% YoY
-28.0% QoQ
|
+1.26% |
0.45%
+25.1% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
Bottom 9% in tier |
| 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 ? |
0.27%
-15.6% YoY
+28.4% QoQ
|
-0.29% |
0.56%
+0.3% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
35% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (6)
Return on Assets
metric
Bottom 5%
in Micro
Why this stands out
Current:
-0.13%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 8%
in Micro
Why this stands out
Current:
2.65%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
99.38%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Bottom 10%
in Micro
Why this stands out
Current:
2.40%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.68%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
1.72%
(Tier avg: 0.45%, National avg: 0.48%)
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
75
75th pctile
Loan-to-Deposit Ratio
Current: 89.25% · Tier avg: 74.53%
68
68th pctile
Total Loans
Current: $175.0M · Tier avg: $139.2M
61
61th pctile
Total Assets
Current: $244.5M · Tier avg: $217.5M
58
58th pctile
Total Deposits
Current: $196.1M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
35
35th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.56%
10
10th pctile
Delinquency Rate
Current: 2.40% · Tier avg: 0.64%
9
9th pctile
Nonperforming Asset Ratio
Current: 1.72% · Tier avg: 0.45%
8
8th pctile
Net Interest Margin
Current: 2.65% · Tier avg: 3.85%
5
5th pctile
Return on Assets
Current: -0.13% · Tier avg: 1.08%
5
5th pctile
Efficiency Ratio
Current: 99.38% · Tier avg: 67.73%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.68% · Tier avg: 22.39%
Top Weaknesses
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.68% · Tier avg: 22.39%
5
5th pctile
Efficiency Ratio
Current: 99.38% · Tier avg: 67.73%
5
5th pctile
Return on Assets
Current: -0.13% · Tier avg: 1.08%
8
8th pctile
Net Interest Margin
Current: 2.65% · Tier avg: 3.85%
9
9th pctile
Nonperforming Asset Ratio
Current: 1.72% · Tier avg: 0.45%
10
10th pctile
Delinquency Rate
Current: 2.40% · Tier avg: 0.64%
35
35th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
58
58th pctile
Total Deposits
Current: $196.1M · Tier avg: $183.7M
61
61th pctile
Total Assets
Current: $244.5M · Tier avg: $217.5M
68
68th pctile
Total Loans
Current: $175.0M · Tier avg: $139.2M
75
75th pctile
Loan-to-Deposit Ratio
Current: 89.25% · Tier avg: 74.53%