BlastPoint's Banking Scorecard
Boonville Federal Savings Bank
Micro
Specialty: Consumer
IN
FDIC cert 30128
Designations: ✓ Community bank ✓ Mutual
Boonville, IN
2498
banks in Micro tier nationally
49 in IN
View Micro leaderboard (IN) →
Boonville Federal Savings Bank 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
- - Non-Interest-Bearing Deposit Share 13.85% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$69.2M
-0.1% YoY
+0.5% QoQ
|
-$148.3M |
$217.5M
+2.3% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 12% in tier |
| Total Loans ? |
$49.6M
+4.5% YoY
+0.4% QoQ
|
-$89.5M |
$139.2M
+2.8% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
20% |
| Total Deposits ? |
$51.3M
+4.2% YoY
-0.2% QoQ
|
-$132.3M |
$183.7M
+1.8% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 11% in tier |
| Return on Assets ? |
0.40%
+41.0% YoY
+9.4% QoQ
|
-0.68% |
1.08%
+14.7% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
15% |
| Net Interest Margin ? |
3.32%
+12.0% YoY
+1.8% QoQ
|
-0.53% |
3.85%
+6.6% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
26% |
| Efficiency Ratio ? |
79.84%
-5.9% YoY
-3.4% QoQ
|
+12.11% |
67.73%
-4.8% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
21% |
| Delinquency Rate ? |
1.17%
+123.8% YoY
+19.4% QoQ
|
+0.53% |
0.64%
+24.4% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
96.73%
+0.3% YoY
+0.5% QoQ
|
+22.20% |
74.53%
+0.5% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
Top 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
8.54%
+9.4% YoY
+13.3% QoQ
|
-13.85% |
22.39%
-1.3% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 9% in tier |
| Nonperforming Asset Ratio ? |
0.84%
+134.2% YoY
+19.2% QoQ
|
+0.39% |
0.45%
+25.1% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
24% |
| Tier 1 Capital Ratio ? |
15.49%
+0.0% YoY
+1.9% QoQ
|
+6.64% |
8.85%
-3.4% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.20%
+70.1% YoY
+122.6% QoQ
|
-0.36% |
0.56%
+0.3% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
24% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 9%
in Micro
Why this stands out
Current:
8.54%
(Tier avg: 22.39%, National avg: 21.79%)
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
88
88th pctile
Loan-to-Deposit Ratio
Current: 96.73% · Tier avg: 74.53%
74
74th pctile
Tier 1 Capital Ratio
Current: 15.49% · Tier avg: 8.85%
26
26th pctile
Net Interest Margin
Current: 3.32% · Tier avg: 3.85%
25
25th pctile
Delinquency Rate
Current: 1.17% · Tier avg: 0.64%
24
24th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.84% · Tier avg: 0.45%
21
21th pctile
Efficiency Ratio
Current: 79.84% · Tier avg: 67.73%
20
20th pctile
Total Loans
Current: $49.6M · Tier avg: $139.2M
15
15th pctile
Return on Assets
Current: 0.40% · Tier avg: 1.08%
12
12th pctile
Total Assets
Current: $69.2M · Tier avg: $217.5M
11
11th pctile
Total Deposits
Current: $51.3M · Tier avg: $183.7M
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 8.54% · Tier avg: 22.39%
Top Weaknesses
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 8.54% · Tier avg: 22.39%
11
11th pctile
Total Deposits
Current: $51.3M · Tier avg: $183.7M
12
12th pctile
Total Assets
Current: $69.2M · Tier avg: $217.5M
15
15th pctile
Return on Assets
Current: 0.40% · Tier avg: 1.08%
20
20th pctile
Total Loans
Current: $49.6M · Tier avg: $139.2M
21
21th pctile
Efficiency Ratio
Current: 79.84% · Tier avg: 67.73%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.84% · Tier avg: 0.45%
24
24th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
25
25th pctile
Delinquency Rate
Current: 1.17% · Tier avg: 0.64%
26
26th pctile
Net Interest Margin
Current: 3.32% · Tier avg: 3.85%
74
74th pctile
Tier 1 Capital Ratio
Current: 15.49% · Tier avg: 8.85%
88
88th pctile
Loan-to-Deposit Ratio
Current: 96.73% · Tier avg: 74.53%