BlastPoint's Banking Scorecard
ClearPoint Federal Bank & Trust
Micro
Specialty: Other
IN
FDIC cert 34748
Batesville, IN
2498
banks in Micro tier nationally
49 in IN
View Micro leaderboard (IN) →
ClearPoint Federal Bank & Trust has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Nonperforming Asset Ratio 0.45% below tier
- + Non-Interest Income / Assets 5.19% above tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.45% below tier
- - Non-Interest-Bearing Deposit Share 22.39% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$134.7M
+7.0% YoY
+2.4% QoQ
|
-$82.8M |
$217.5M
+2.3% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
33% |
| Total Loans ? | $0 | -$139.2M |
$139.2M
+2.8% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 1% in tier |
| Total Deposits ? |
$112.8M
+1.7% YoY
+1.1% QoQ
|
-$70.8M |
$183.7M
+1.8% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
33% |
| Return on Assets ? |
1.89%
+39.1% YoY
-18.2% QoQ
|
+0.81% |
1.08%
+14.7% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
Top 12% in tier |
| Net Interest Margin ? |
2.40%
-2.6% YoY
-1.6% QoQ
|
-1.45% |
3.85%
+6.6% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 5% in tier |
| Efficiency Ratio ? |
74.12%
-8.9% YoY
+9.9% QoQ
|
+6.40% |
67.73%
-4.8% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
30% |
| Delinquency Rate ? | - | - |
0.64%
+24.4% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
- |
| Loan-to-Deposit Ratio ? | 0.00% | -74.53% |
74.53%
+0.5% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
- |
| 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 ? | 0.00% | -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 ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
5.75%
+4.2% YoY
+33.9% QoQ
|
+5.19% |
0.56%
+0.3% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (2)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Top 1%
in Micro
Why this stands out
Current:
5.75%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (2)
Net Interest Margin
metric
Bottom 5%
in Micro
Why this stands out
Current:
2.40%
(Tier avg: 3.85%, National avg: 3.75%)
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%)
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
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
99
99th pctile
Non-Interest Income / Assets
Current: 5.75% · Tier avg: 0.56%
88
88th pctile
Return on Assets
Current: 1.89% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
33
33th pctile
Total Deposits
Current: $112.8M · Tier avg: $183.7M
33
33th pctile
Total Assets
Current: $134.7M · Tier avg: $217.5M
30
30th pctile
Efficiency Ratio
Current: 74.12% · Tier avg: 67.73%
5
5th pctile
Net Interest Margin
Current: 2.40% · Tier avg: 3.85%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 22.39%
1
1th pctile
Total Loans
Current: $0 · Tier avg: $139.2M
Top Weaknesses
1
1th pctile
Total Loans
Current: $0 · Tier avg: $139.2M
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 22.39%
5
5th pctile
Net Interest Margin
Current: 2.40% · Tier avg: 3.85%
30
30th pctile
Efficiency Ratio
Current: 74.12% · Tier avg: 67.73%
33
33th pctile
Total Assets
Current: $134.7M · Tier avg: $217.5M
33
33th pctile
Total Deposits
Current: $112.8M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
88
88th pctile
Return on Assets
Current: 1.89% · Tier avg: 1.08%
99
99th pctile
Non-Interest Income / Assets
Current: 5.75% · Tier avg: 0.56%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%