BlastPoint's Banking Scorecard
Everence Trust Company
Micro
Specialty: Other
IN
FDIC cert 57109
Goshen, IN
2498
banks in Micro tier nationally
49 in IN
View Micro leaderboard (IN) →
Everence Trust Company has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 8.45% above tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Efficiency Ratio 27.36% above 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 ? |
$14.5M
+16.3% YoY
+3.6% QoQ
|
-$203.0M |
$217.5M
+2.3% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 1% in tier |
| 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 ? |
$500K
0% YoY
0% QoQ
|
-$183.2M |
$183.7M
+1.8% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 1% in tier |
| Return on Assets ? |
9.53%
-33.0% YoY
-13.5% QoQ
|
+8.45% |
1.08%
+14.7% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
4.43%
-2.3% YoY
+0.3% QoQ
|
+0.57% |
3.85%
+6.6% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
77% |
| Efficiency Ratio ? |
95.08%
+4.1% YoY
+0.5% QoQ
|
+27.36% |
67.73%
-4.8% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 7% in tier |
| 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 ? |
192.98%
-8.8% YoY
-7.2% QoQ
|
+184.13% |
8.85%
-3.4% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
- |
| Non-Interest Income / Assets ? |
254.00%
-3.2% YoY
+32.7% QoQ
|
+253.44% |
0.56%
+0.3% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
- |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 1%
in Micro
Why this stands out
Current:
9.53%
(Tier avg: 1.08%, National avg: 1.12%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (2)
Efficiency Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
95.08%
(Tier avg: 67.73%, National avg: 65.09%)
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
Return on Assets
Current: 9.53% · Tier avg: 1.08%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
77
77th pctile
Net Interest Margin
Current: 4.43% · Tier avg: 3.85%
7
7th pctile
Efficiency Ratio
Current: 95.08% · Tier avg: 67.73%
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
1
1th pctile
Total Deposits
Current: $500K · Tier avg: $183.7M
1
1th pctile
Total Assets
Current: $14.5M · Tier avg: $217.5M
Top Weaknesses
1
1th pctile
Total Assets
Current: $14.5M · Tier avg: $217.5M
1
1th pctile
Total Deposits
Current: $500K · Tier avg: $183.7M
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%
7
7th pctile
Efficiency Ratio
Current: 95.08% · Tier avg: 67.73%
77
77th pctile
Net Interest Margin
Current: 4.43% · Tier avg: 3.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Return on Assets
Current: 9.53% · Tier avg: 1.08%