BlastPoint's Banking Scorecard
The Shelby State Bank
Micro
Specialty: Commercial
MI
FDIC cert 10157
Designations: ✓ Community bank
Shelby, MI
2498
banks in Micro tier nationally
41 in MI
View Micro leaderboard (MI) →
The Shelby State Bank shows strong momentum with 1 strength and 8.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.36% 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 ? |
$385.8M
+8.6% YoY
-0.0% QoQ
|
+$168.3M |
$217.5M
+2.3% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
Top 14% in tier |
| Total Loans ? |
$213.8M
+7.6% YoY
+0.6% QoQ
|
+$74.6M |
$139.2M
+2.8% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
77% |
| Total Deposits ? |
$337.3M
+10.8% YoY
-2.2% QoQ
|
+$153.7M |
$183.7M
+1.8% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
Top 12% in tier |
| Return on Assets ? |
0.82%
+68.3% YoY
+16.3% QoQ
|
-0.26% |
1.08%
+14.7% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
34% |
| Net Interest Margin ? |
3.61%
+13.6% YoY
+1.2% QoQ
|
-0.24% |
3.85%
+6.6% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
40% |
| Efficiency Ratio ? |
74.24%
-12.2% YoY
-3.7% QoQ
|
+6.52% |
67.73%
-4.8% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
30% |
| Delinquency Rate ? |
0.13%
+32.7% YoY
+42.0% QoQ
|
-0.51% |
0.64%
+24.4% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
63.38%
-2.9% YoY
+2.9% QoQ
|
-11.15% |
74.53%
+0.5% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
34.14%
-1.3% YoY
-2.4% QoQ
|
+11.75% |
22.39%
-1.3% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
Top 13% in tier |
| Nonperforming Asset Ratio ? |
0.07%
+31.6% YoY
-30.9% QoQ
|
-0.38% |
0.45%
+25.1% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
71% |
| Tier 1 Capital Ratio ? |
13.75%
+0.3% YoY
+2.6% QoQ
|
+4.89% |
8.85%
-3.4% YoY
|
9.37%
-0.1% YoY
|
9.75%
-1.9% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.92%
-0.7% YoY
+38.4% QoQ
|
+0.36% |
0.56%
+0.3% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
Top 9% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 9%
in Micro
Why this stands out
Current:
0.92%
(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
91
91th pctile
Non-Interest Income / Assets
Current: 0.92% · Tier avg: 0.56%
88
88th pctile
Total Deposits
Current: $337.3M · Tier avg: $183.7M
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 34.14% · Tier avg: 22.39%
86
86th pctile
Total Assets
Current: $385.8M · Tier avg: $217.5M
77
77th pctile
Total Loans
Current: $213.8M · Tier avg: $139.2M
71
71th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.45%
68
68th pctile
Delinquency Rate
Current: 0.13% · Tier avg: 0.64%
67
67th pctile
Tier 1 Capital Ratio
Current: 13.75% · Tier avg: 8.85%
40
40th pctile
Net Interest Margin
Current: 3.61% · Tier avg: 3.85%
34
34th pctile
Return on Assets
Current: 0.82% · Tier avg: 1.08%
30
30th pctile
Efficiency Ratio
Current: 74.24% · Tier avg: 67.73%
29
29th pctile
Loan-to-Deposit Ratio
Current: 63.38% · Tier avg: 74.53%
Top Weaknesses
29
29th pctile
Loan-to-Deposit Ratio
Current: 63.38% · Tier avg: 74.53%
30
30th pctile
Efficiency Ratio
Current: 74.24% · Tier avg: 67.73%
34
34th pctile
Return on Assets
Current: 0.82% · Tier avg: 1.08%
40
40th pctile
Net Interest Margin
Current: 3.61% · Tier avg: 3.85%
67
67th pctile
Tier 1 Capital Ratio
Current: 13.75% · Tier avg: 8.85%
68
68th pctile
Delinquency Rate
Current: 0.13% · Tier avg: 0.64%
71
71th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.45%
77
77th pctile
Total Loans
Current: $213.8M · Tier avg: $139.2M
86
86th pctile
Total Assets
Current: $385.8M · Tier avg: $217.5M
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 34.14% · Tier avg: 22.39%
88
88th pctile
Total Deposits
Current: $337.3M · Tier avg: $183.7M
91
91th pctile
Non-Interest Income / Assets
Current: 0.92% · Tier avg: 0.56%