BlastPoint's Banking Scorecard
Highpoint Community Bank
Community
Specialty: Commercial
MI
FDIC cert 11407
Hastings, MI
1484
banks in Community tier nationally
28 in MI
View Community leaderboard (MI) →
Highpoint Community Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 43% in Community
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 42% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$589.7M
-6.1% YoY
-1.1% QoQ
|
-$801.8M |
$1.4B
+2.0% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
Bottom 13% in tier |
| Total Loans ? |
$350.1M
+8.0% YoY
+0.6% QoQ
|
-$625.4M |
$975.5M
+2.4% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
Bottom 8% in tier |
| Total Deposits ? |
$532.2M
-7.6% YoY
-1.5% QoQ
|
-$632.4M |
$1.2B
+1.7% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
18% |
| Return on Assets ? |
1.00%
-2.4% YoY
-7.2% QoQ
|
-0.16% |
1.16%
+17.2% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
39% |
| Net Interest Margin ? |
3.36%
+3.7% YoY
+0.6% QoQ
|
-0.30% |
3.66%
+9.1% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
34% |
| Efficiency Ratio ? |
65.20%
-1.9% YoY
+4.9% QoQ
|
+2.57% |
62.63%
-5.3% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
40% |
| Delinquency Rate ? |
0.05%
-25.5% YoY
-13.4% QoQ
|
-0.58% |
0.63%
+18.3% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
Top 12% in tier |
| Loan-to-Deposit Ratio ? |
65.78%
+16.9% YoY
+2.1% QoQ
|
-17.28% |
83.06%
+0.3% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
Top 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.39%
+8.6% YoY
+7.6% QoQ
|
-0.66% |
21.05%
-0.9% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
52% |
| Nonperforming Asset Ratio ? |
0.03%
-14.3% YoY
-11.9% QoQ
|
-0.47% |
0.50%
+20.3% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
Top 10% in tier |
| Tier 1 Capital Ratio ? |
15.19%
+0.1% YoY
+1.7% QoQ
|
+4.95% |
10.24%
-0.6% YoY
|
9.37%
-0.1% YoY
|
9.75%
-1.9% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.55%
+6.9% YoY
+24.4% QoQ
|
-0.19% |
0.74%
-1.3% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
56% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#159 of 371 · Top 43% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.05%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Concerns (1)
Deposit Outflow
decline
#104 of 248 · Bottom 42% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank improving
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
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.50%
88
88th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.63%
86
86th pctile
Loan-to-Deposit Ratio
Current: 65.78% · Tier avg: 83.06%
78
78th pctile
Tier 1 Capital Ratio
Current: 15.19% · Tier avg: 10.24%
56
56th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.74%
52
52th pctile
Non-Interest-Bearing Deposit Share
Current: 20.39% · Tier avg: 21.05%
40
40th pctile
Efficiency Ratio
Current: 65.20% · Tier avg: 62.63%
39
39th pctile
Return on Assets
Current: 1.00% · Tier avg: 1.16%
34
34th pctile
Net Interest Margin
Current: 3.36% · Tier avg: 3.66%
18
18th pctile
Total Deposits
Current: $532.2M · Tier avg: $1.2B
13
13th pctile
Total Assets
Current: $589.7M · Tier avg: $1.4B
8
8th pctile
Total Loans
Current: $350.1M · Tier avg: $975.5M
Top Weaknesses
8
8th pctile
Total Loans
Current: $350.1M · Tier avg: $975.5M
13
13th pctile
Total Assets
Current: $589.7M · Tier avg: $1.4B
18
18th pctile
Total Deposits
Current: $532.2M · Tier avg: $1.2B
34
34th pctile
Net Interest Margin
Current: 3.36% · Tier avg: 3.66%
39
39th pctile
Return on Assets
Current: 1.00% · Tier avg: 1.16%
40
40th pctile
Efficiency Ratio
Current: 65.20% · Tier avg: 62.63%
52
52th pctile
Non-Interest-Bearing Deposit Share
Current: 20.39% · Tier avg: 21.05%
56
56th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.74%
78
78th pctile
Tier 1 Capital Ratio
Current: 15.19% · Tier avg: 10.24%
86
86th pctile
Loan-to-Deposit Ratio
Current: 65.78% · Tier avg: 83.06%
88
88th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.63%
90
90th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.50%