BlastPoint's Banking Scorecard
The Campbell & Fetter Bank
Micro
Specialty: Mortgage
IN
FDIC cert 16757
Designations: ✓ Community bank
Kendallville, IN
2498
banks in Micro tier nationally
49 in IN
View Micro leaderboard (IN) →
The Campbell & Fetter Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
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 ? |
$354.8M
+4.0% YoY
+1.9% QoQ
|
+$137.3M |
$217.5M
+2.3% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
81% |
| Total Loans ? |
$231.3M
+7.3% YoY
+3.8% QoQ
|
+$92.1M |
$139.2M
+2.8% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
82% |
| Total Deposits ? |
$285.8M
+16.5% YoY
+1.0% QoQ
|
+$102.1M |
$183.7M
+1.8% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
79% |
| Return on Assets ? |
0.62%
+96.8% YoY
-6.7% QoQ
|
-0.46% |
1.08%
+14.7% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
24% |
| Net Interest Margin ? |
2.99%
+19.5% YoY
+1.4% QoQ
|
-0.87% |
3.85%
+6.6% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
16% |
| Efficiency Ratio ? |
68.32%
-17.3% YoY
+0.5% QoQ
|
+0.60% |
67.73%
-4.8% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
44% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.64% |
0.64%
+24.4% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
80.93%
-7.9% YoY
+2.8% QoQ
|
+6.41% |
74.53%
+0.5% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
28.39%
-10.6% YoY
+1.3% QoQ
|
+6.00% |
22.39%
-1.3% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
74% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.45% |
0.45%
+25.1% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
21.89%
-3.1% YoY
-4.4% QoQ
|
+13.04% |
8.85%
-3.4% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
Top 11% in tier |
| Non-Interest Income / Assets ? |
0.18%
-7.6% YoY
+29.8% QoQ
|
-0.38% |
0.56%
+0.3% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
20% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
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%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
89
89th pctile
Tier 1 Capital Ratio
Current: 21.89% · Tier avg: 8.85%
82
82th pctile
Total Loans
Current: $231.3M · Tier avg: $139.2M
81
81th pctile
Total Assets
Current: $354.8M · Tier avg: $217.5M
79
79th pctile
Total Deposits
Current: $285.8M · Tier avg: $183.7M
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 28.39% · Tier avg: 22.39%
44
44th pctile
Efficiency Ratio
Current: 68.32% · Tier avg: 67.73%
40
40th pctile
Loan-to-Deposit Ratio
Current: 80.93% · Tier avg: 74.53%
24
24th pctile
Return on Assets
Current: 0.62% · Tier avg: 1.08%
20
20th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.56%
16
16th pctile
Net Interest Margin
Current: 2.99% · Tier avg: 3.85%
Top Weaknesses
16
16th pctile
Net Interest Margin
Current: 2.99% · Tier avg: 3.85%
20
20th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.56%
24
24th pctile
Return on Assets
Current: 0.62% · Tier avg: 1.08%
40
40th pctile
Loan-to-Deposit Ratio
Current: 80.93% · Tier avg: 74.53%
44
44th pctile
Efficiency Ratio
Current: 68.32% · Tier avg: 67.73%
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 28.39% · Tier avg: 22.39%
79
79th pctile
Total Deposits
Current: $285.8M · Tier avg: $183.7M
81
81th pctile
Total Assets
Current: $354.8M · Tier avg: $217.5M
82
82th pctile
Total Loans
Current: $231.3M · Tier avg: $139.2M
89
89th pctile
Tier 1 Capital Ratio
Current: 21.89% · Tier avg: 8.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%