BlastPoint's Banking Scorecard
Baybank
Micro
Specialty: Commercial
MI
FDIC cert 1092
Designations: ✓ Community bank
Gladstone, MI
2498
banks in Micro tier nationally
41 in MI
View Micro leaderboard (MI) →
Baybank shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
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 ? |
$168.8M
+5.8% YoY
+1.5% QoQ
|
-$48.7M |
$217.5M
+2.3% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
43% |
| Total Loans ? |
$127.2M
+6.9% YoY
+0.4% QoQ
|
-$12.0M |
$139.2M
+2.8% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
52% |
| Total Deposits ? |
$143.8M
+2.0% YoY
-0.1% QoQ
|
-$39.8M |
$183.7M
+1.8% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
43% |
| Return on Assets ? |
1.43%
+24.1% YoY
+2.4% QoQ
|
+0.35% |
1.08%
+14.7% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
71% |
| Net Interest Margin ? |
4.63%
+8.8% YoY
+1.7% QoQ
|
+0.77% |
3.85%
+6.6% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
83% |
| Efficiency Ratio ? |
60.82%
-6.9% YoY
-1.1% QoQ
|
-6.91% |
67.73%
-4.8% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
65% |
| Delinquency Rate ? |
1.56%
+16.3% YoY
+81.7% QoQ
|
+0.92% |
0.64%
+24.4% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
88.42%
+4.8% YoY
+0.5% QoQ
|
+13.89% |
74.53%
+0.5% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
9.41%
+11.0% YoY
-8.0% QoQ
|
-12.98% |
22.39%
-1.3% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 11% in tier |
| Nonperforming Asset Ratio ? |
1.18%
-13.0% YoY
+56.1% QoQ
|
+0.73% |
0.45%
+25.1% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
16% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.37%
-0.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.51%
-19.5% YoY
+32.0% QoQ
|
-0.05% |
0.56%
+0.3% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
70% |
Signature Analysis
Strengths (0)
No strengths identified
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
83
83th pctile
Net Interest Margin
Current: 4.63% · Tier avg: 3.85%
71
71th pctile
Return on Assets
Current: 1.43% · Tier avg: 1.08%
70
70th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.56%
65
65th pctile
Efficiency Ratio
Current: 60.82% · Tier avg: 67.73%
52
52th pctile
Total Loans
Current: $127.2M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
43
43th pctile
Total Deposits
Current: $143.8M · Tier avg: $183.7M
43
43th pctile
Total Assets
Current: $168.8M · Tier avg: $217.5M
26
26th pctile
Loan-to-Deposit Ratio
Current: 88.42% · Tier avg: 74.53%
18
18th pctile
Delinquency Rate
Current: 1.56% · Tier avg: 0.64%
16
16th pctile
Nonperforming Asset Ratio
Current: 1.18% · Tier avg: 0.45%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 9.41% · Tier avg: 22.39%
Top Weaknesses
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 9.41% · Tier avg: 22.39%
16
16th pctile
Nonperforming Asset Ratio
Current: 1.18% · Tier avg: 0.45%
18
18th pctile
Delinquency Rate
Current: 1.56% · Tier avg: 0.64%
26
26th pctile
Loan-to-Deposit Ratio
Current: 88.42% · Tier avg: 74.53%
43
43th pctile
Total Assets
Current: $168.8M · Tier avg: $217.5M
43
43th pctile
Total Deposits
Current: $143.8M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Total Loans
Current: $127.2M · Tier avg: $139.2M
65
65th pctile
Efficiency Ratio
Current: 60.82% · Tier avg: 67.73%
70
70th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.56%
71
71th pctile
Return on Assets
Current: 1.43% · Tier avg: 1.08%
83
83th pctile
Net Interest Margin
Current: 4.63% · Tier avg: 3.85%