BlastPoint's Banking Scorecard

Kentland Bank

Micro Specialty: Agricultural IN FDIC cert 13843

Designations: ✓ Community bank

Kentland, IN

2498 banks in Micro tier nationally 49 in IN

View Micro leaderboard (IN) →

Kentland Bank shows stable performance across key metrics

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Total Assets ?	$406.5M +7.2% YoY -0.6% QoQ	+$189.0M	$217.5M +2.3% YoY	$2.4B +12.3% YoY	$5.9B +6.5% YoY	Top 11% in tier
Total Loans ?	$272.3M +19.9% YoY +0.8% QoQ	+$133.2M	$139.2M +2.8% YoY	$1.7B +13.4% YoY	$3.1B +8.5% YoY	Top 12% in tier
Total Deposits ?	$310.7M +3.5% YoY -2.1% QoQ	+$127.0M	$183.7M +1.8% YoY	$1.9B +12.7% YoY	$4.7B +6.3% YoY	83%
Return on Assets ?	1.27% +9.6% YoY +0.1% QoQ	+0.19%	1.08% +14.7% YoY	1.01% +19.7% YoY	1.12% +15.6% YoY	63%
Net Interest Margin ?	4.28% +9.5% YoY +1.2% QoQ	+0.43%	3.85% +6.6% YoY	3.50% +10.2% YoY	3.75% +7.1% YoY	71%
Efficiency Ratio ?	55.25% -8.7% YoY -3.3% QoQ	-12.48%	67.73% -4.8% YoY	67.50% -4.6% YoY	65.09% -5.1% YoY	80%
Delinquency Rate ?	2.16% +40.2% YoY +201.6% QoQ	+1.52%	0.64% +24.4% YoY	0.77% +9.8% YoY	0.66% +20.3% YoY	Bottom 12% in tier
Loan-to-Deposit Ratio ?	87.65% +15.8% YoY +3.0% QoQ	+13.13%	74.53% +0.5% YoY	82.11% +1.7% YoY	78.04% +0.7% YoY	28%
Non-Interest-Bearing Deposit Share ?	23.51% -3.1% YoY +1.9% QoQ	+1.11%	22.39% -1.3% YoY	16.86% -1.9% YoY	21.79% -1.3% YoY	58%
Nonperforming Asset Ratio ?	1.56% +46.7% YoY +166.8% QoQ	+1.11%	0.45% +25.1% YoY	0.58% +19.3% YoY	0.48% +20.8% YoY	Bottom 11% 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 ?	0.32% -13.7% YoY +32.7% QoQ	-0.24%	0.56% +0.3% YoY	0.62% -11.1% YoY	0.65% +0.6% YoY	44%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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%

Compare against:

Comparing against 2498 peers in Micro tier

Top Strengths

Total Assets

Current: $406.5M · Tier avg: $217.5M

89th pctile

Total Loans

Current: $272.3M · Tier avg: $139.2M

88th pctile

Total Deposits

Current: $310.7M · Tier avg: $183.7M

83th pctile

Efficiency Ratio

Current: 55.25% · Tier avg: 67.73%

80th pctile

Net Interest Margin

Current: 4.28% · Tier avg: 3.85%

71th pctile

Return on Assets

Current: 1.27% · Tier avg: 1.08%

63th pctile

Non-Interest-Bearing Deposit Share

Current: 23.51% · Tier avg: 22.39%

58th pctile

Tier 1 Capital Ratio

Current: 0.00% · Tier avg: 8.85%

51th pctile

Non-Interest Income / Assets

Current: 0.32% · Tier avg: 0.56%

44th pctile

Loan-to-Deposit Ratio

Current: 87.65% · Tier avg: 74.53%

28th pctile

Delinquency Rate

Current: 2.16% · Tier avg: 0.64%

12th pctile

Nonperforming Asset Ratio

Current: 1.56% · Tier avg: 0.45%

11th pctile

Top Weaknesses