BlastPoint's Banking Scorecard
Kentland Federal Savings and Loan Association
Micro
Specialty: Mortgage
IN
FDIC cert 28722
Designations: ✓ Community bank ✓ Mutual
Kentland, IN
2498
banks in Micro tier nationally
49 in IN
View Micro leaderboard (IN) →
Kentland Federal Savings and Loan Association faces 5 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 7.71% below tier
- - Net Interest Margin 2.81% below tier
- - Delinquency Rate 6.04% above tier
- - Non-Interest-Bearing Deposit Share 22.39% below tier
- - Nonperforming Asset Ratio 5.15% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.9M
+20.7% YoY
+17.8% QoQ
|
-$213.6M |
$217.5M
+2.3% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 1% in tier |
| Total Loans ? |
$3.3M
+17.9% YoY
+15.0% QoQ
|
-$135.9M |
$139.2M
+2.8% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 1% in tier |
| Total Deposits ? |
$3.7M
+25.3% YoY
+19.3% QoQ
|
-$180.0M |
$183.7M
+1.8% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 1% in tier |
| Return on Assets ? |
-6.63%
-379.4% YoY
+12.3% QoQ
|
-7.71% |
1.08%
+14.7% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
1.04%
-48.1% YoY
+10.7% QoQ
|
-2.81% |
3.85%
+6.6% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
697.37%
+446.4% YoY
-23.6% QoQ
|
+629.64% |
67.73%
-4.8% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
- |
| Delinquency Rate ? |
6.68%
-17.5% YoY
-13.4% QoQ
|
+6.04% |
0.64%
+24.4% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
89.27%
-5.9% YoY
-3.6% QoQ
|
+14.74% |
74.53%
+0.5% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -22.39% |
22.39%
-1.3% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
5.61%
-19.3% YoY
-15.5% QoQ
|
+5.15% |
0.45%
+25.1% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
11.17%
-11.6% QoQ
|
+2.32% |
8.85%
-3.4% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.15%
-94.8% YoY
+154.6% QoQ
|
-0.41% |
0.56%
+0.3% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
15% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (5)
Return on Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
-6.63%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 1%
in Micro
Why this stands out
Current:
1.04%
(Tier avg: 3.85%, National avg: 3.75%)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
6.68%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
5.61%
(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
56
56th pctile
Tier 1 Capital Ratio
Current: 11.17% · Tier avg: 8.85%
24
24th pctile
Loan-to-Deposit Ratio
Current: 89.27% · Tier avg: 74.53%
15
15th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.56%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 22.39%
1
1th pctile
Total Loans
Current: $3.3M · Tier avg: $139.2M
1
1th pctile
Total Deposits
Current: $3.7M · Tier avg: $183.7M
0
0th pctile
Net Interest Margin
Current: 1.04% · Tier avg: 3.85%
0
0th pctile
Total Assets
Current: $3.9M · Tier avg: $217.5M
0
0th pctile
Return on Assets
Current: -6.63% · Tier avg: 1.08%
0
0th pctile
Delinquency Rate
Current: 6.68% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 5.61% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 5.61% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 6.68% · Tier avg: 0.64%
0
0th pctile
Return on Assets
Current: -6.63% · Tier avg: 1.08%
0
0th pctile
Total Assets
Current: $3.9M · Tier avg: $217.5M
0
0th pctile
Net Interest Margin
Current: 1.04% · Tier avg: 3.85%
1
1th pctile
Total Deposits
Current: $3.7M · Tier avg: $183.7M
1
1th pctile
Total Loans
Current: $3.3M · Tier avg: $139.2M
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 22.39%
15
15th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.56%
24
24th pctile
Loan-to-Deposit Ratio
Current: 89.27% · Tier avg: 74.53%
56
56th pctile
Tier 1 Capital Ratio
Current: 11.17% · Tier avg: 8.85%