BlastPoint's Banking Scorecard
Bank Michigan
Micro
Specialty: Commercial
MI
FDIC cert 1008
Designations: ✓ Community bank
Brooklyn, MI
2498
banks in Micro tier nationally
41 in MI
View Micro leaderboard (MI) →
Bank Michigan shows strong momentum with 2 strengths and 16.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 4.12% above tier
- + Non-Interest Income / Assets 4.43% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$153.5M
+16.2% YoY
+8.8% QoQ
|
-$64.0M |
$217.5M
+2.3% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
39% |
| Total Loans ? |
$117.2M
+14.0% YoY
+13.8% QoQ
|
-$22.0M |
$139.2M
+2.8% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
49% |
| Total Deposits ? |
$126.8M
+9.5% YoY
+10.0% QoQ
|
-$56.9M |
$183.7M
+1.8% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
38% |
| Return on Assets ? |
5.20%
+292.3% YoY
-5.9% QoQ
|
+4.12% |
1.08%
+14.7% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
4.85%
+3.2% YoY
-0.0% QoQ
|
+1.00% |
3.85%
+6.6% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Top 12% in tier |
| Efficiency Ratio ? |
55.65%
-44.8% YoY
+14.4% QoQ
|
-12.08% |
67.73%
-4.8% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
79% |
| Delinquency Rate ? |
1.53%
-44.9% YoY
-43.6% QoQ
|
+0.89% |
0.64%
+24.4% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
92.47%
+4.2% YoY
+3.5% QoQ
|
+17.94% |
74.53%
+0.5% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
26.87%
-5.3% YoY
-1.0% QoQ
|
+4.48% |
22.39%
-1.3% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
70% |
| Nonperforming Asset Ratio ? |
1.16%
-46.0% YoY
-41.0% QoQ
|
+0.71% |
0.45%
+25.1% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
16% |
| Tier 1 Capital Ratio ? |
15.72%
+76.3% YoY
-5.3% QoQ
|
+6.86% |
8.85%
-3.4% YoY
|
9.37%
-0.1% YoY
|
9.75%
-1.9% YoY
|
75% |
| Non-Interest Income / Assets ? |
5.00%
+192.9% YoY
-0.5% QoQ
|
+4.43% |
0.56%
+0.3% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 1%
in Micro
Why this stands out
Current:
5.20%
(Tier avg: 1.08%, National avg: 1.12%)
Non-Interest Income / Assets
metric
Top 1%
in Micro
Why this stands out
Current:
5.00%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
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: 5.20% · Tier avg: 1.08%
99
99th pctile
Non-Interest Income / Assets
Current: 5.00% · Tier avg: 0.56%
88
88th pctile
Net Interest Margin
Current: 4.85% · Tier avg: 3.85%
82
82th pctile
Loan-to-Deposit Ratio
Current: 92.47% · Tier avg: 74.53%
79
79th pctile
Efficiency Ratio
Current: 55.65% · Tier avg: 67.73%
75
75th pctile
Tier 1 Capital Ratio
Current: 15.72% · Tier avg: 8.85%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 26.87% · Tier avg: 22.39%
49
49th pctile
Total Loans
Current: $117.2M · Tier avg: $139.2M
39
39th pctile
Total Assets
Current: $153.5M · Tier avg: $217.5M
38
38th pctile
Total Deposits
Current: $126.8M · Tier avg: $183.7M
19
19th pctile
Delinquency Rate
Current: 1.53% · Tier avg: 0.64%
16
16th pctile
Nonperforming Asset Ratio
Current: 1.16% · Tier avg: 0.45%
Top Weaknesses
16
16th pctile
Nonperforming Asset Ratio
Current: 1.16% · Tier avg: 0.45%
19
19th pctile
Delinquency Rate
Current: 1.53% · Tier avg: 0.64%
38
38th pctile
Total Deposits
Current: $126.8M · Tier avg: $183.7M
39
39th pctile
Total Assets
Current: $153.5M · Tier avg: $217.5M
49
49th pctile
Total Loans
Current: $117.2M · Tier avg: $139.2M
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 26.87% · Tier avg: 22.39%
75
75th pctile
Tier 1 Capital Ratio
Current: 15.72% · Tier avg: 8.85%
79
79th pctile
Efficiency Ratio
Current: 55.65% · Tier avg: 67.73%
82
82th pctile
Loan-to-Deposit Ratio
Current: 92.47% · Tier avg: 74.53%
88
88th pctile
Net Interest Margin
Current: 4.85% · Tier avg: 3.85%
99
99th pctile
Non-Interest Income / Assets
Current: 5.00% · Tier avg: 0.56%
100
100th pctile
Return on Assets
Current: 5.20% · Tier avg: 1.08%