BlastPoint's Banking Scorecard
1st Source Bank
Mid-Market
Specialty: Commercial
IN
FDIC cert 9087
South Bend, IN
201
banks in Mid-Market tier nationally
10 in IN
View Mid-Market leaderboard (IN) →
1st Source Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 30% in Mid-Market
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 24% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$9.1B
+1.4% YoY
-0.0% QoQ
|
-$1.4B |
$10.5B
+2.9% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
56% |
| Total Loans ? |
$6.9B
+2.8% YoY
+1.2% QoQ
|
-$241.7M |
$7.1B
+4.5% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
63% |
| Total Deposits ? |
$7.2B
-0.1% YoY
-2.5% QoQ
|
-$1.3B |
$8.5B
+3.0% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
55% |
| Return on Assets ? |
1.84%
+16.6% YoY
+1.2% QoQ
|
+0.68% |
1.16%
+9.4% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
Top 10% in tier |
| Net Interest Margin ? |
4.24%
+12.2% YoY
+2.2% QoQ
|
+0.85% |
3.40%
+7.9% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
Top 14% in tier |
| Efficiency Ratio ? |
47.79%
-6.6% YoY
-0.4% QoQ
|
-8.82% |
56.60%
-3.2% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
81% |
| Delinquency Rate ? |
1.14%
+133.6% YoY
+20.9% QoQ
|
+0.45% |
0.68%
+12.0% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
95.34%
+2.9% YoY
+3.7% QoQ
|
+9.87% |
85.47%
+1.1% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
22% |
| Non-Interest-Bearing Deposit Share ? |
22.15%
-2.3% YoY
+0.5% QoQ
|
+1.51% |
20.64%
-0.3% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
55% |
| Nonperforming Asset Ratio ? |
0.86%
+133.5% YoY
+22.1% QoQ
|
+0.37% |
0.50%
+7.3% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
19% |
| Tier 1 Capital Ratio ? |
15.36%
+5.4% YoY
+0.8% QoQ
|
+1.81% |
13.55%
+1.8% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
82% |
| Non-Interest Income / Assets ? |
1.05%
+2.3% YoY
+32.6% QoQ
|
+0.09% |
0.96%
+7.1% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
79% |
Signature Analysis
Strengths (1)
Profitability Leader
growth
#16 of 51 · Top 30% in Mid-Market
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.84%
(Tier: 1.16%, National: 1.12%)
51 of 51 Mid-Market banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Concerns (1)
Liquidity Strain
risk
#20 of 80 · Bottom 24% in Mid-Market
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
95.34%
(Tier: 85.47%, National: 78.04%)
80 of 80 Mid-Market banks match
·
609 nationally
→ Stable
-4 banks QoQ
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
90
90th pctile
Return on Assets
Current: 1.84% · Tier avg: 1.16%
86
86th pctile
Net Interest Margin
Current: 4.24% · Tier avg: 3.40%
82
82th pctile
Tier 1 Capital Ratio
Current: 15.36% · Tier avg: 13.55%
81
81th pctile
Efficiency Ratio
Current: 47.79% · Tier avg: 56.60%
79
79th pctile
Non-Interest Income / Assets
Current: 1.05% · Tier avg: 0.96%
63
63th pctile
Total Loans
Current: $6.9B · Tier avg: $7.1B
56
56th pctile
Total Assets
Current: $9.1B · Tier avg: $10.5B
55
55th pctile
Non-Interest-Bearing Deposit Share
Current: 22.15% · Tier avg: 20.64%
55
55th pctile
Total Deposits
Current: $7.2B · Tier avg: $8.5B
22
22th pctile
Loan-to-Deposit Ratio
Current: 95.34% · Tier avg: 85.47%
21
21th pctile
Delinquency Rate
Current: 1.14% · Tier avg: 0.68%
19
19th pctile
Nonperforming Asset Ratio
Current: 0.86% · Tier avg: 0.50%
Top Weaknesses
19
19th pctile
Nonperforming Asset Ratio
Current: 0.86% · Tier avg: 0.50%
21
21th pctile
Delinquency Rate
Current: 1.14% · Tier avg: 0.68%
22
22th pctile
Loan-to-Deposit Ratio
Current: 95.34% · Tier avg: 85.47%
55
55th pctile
Total Deposits
Current: $7.2B · Tier avg: $8.5B
55
55th pctile
Non-Interest-Bearing Deposit Share
Current: 22.15% · Tier avg: 20.64%
56
56th pctile
Total Assets
Current: $9.1B · Tier avg: $10.5B
63
63th pctile
Total Loans
Current: $6.9B · Tier avg: $7.1B
79
79th pctile
Non-Interest Income / Assets
Current: 1.05% · Tier avg: 0.96%
81
81th pctile
Efficiency Ratio
Current: 47.79% · Tier avg: 56.60%
82
82th pctile
Tier 1 Capital Ratio
Current: 15.36% · Tier avg: 13.55%
86
86th pctile
Net Interest Margin
Current: 4.24% · Tier avg: 3.40%
90
90th pctile
Return on Assets
Current: 1.84% · Tier avg: 1.16%