BlastPoint's Banking Scorecard
First Community Bank
Micro
Specialty: Commercial
MI
FDIC cert 13179
Designations: ✓ Community bank
Harbor Springs, MI
2498
banks in Micro tier nationally
41 in MI
View Micro leaderboard (MI) →
First Community Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.37% above tier
- + Delinquency Rate 0.64% below tier
- + Non-Interest-Bearing Deposit Share 16.83% above tier
- + Nonperforming Asset Ratio 0.45% below 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 ? |
$403.4M
+3.1% YoY
-3.4% QoQ
|
+$185.9M |
$217.5M
+2.3% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
Top 11% in tier |
| Total Loans ? |
$325.5M
+4.9% YoY
+1.0% QoQ
|
+$186.3M |
$139.2M
+2.8% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
Top 4% in tier |
| Total Deposits ? |
$352.6M
+5.8% YoY
-5.2% QoQ
|
+$168.9M |
$183.7M
+1.8% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
Top 10% in tier |
| Return on Assets ? |
1.86%
+5.2% YoY
+6.0% QoQ
|
+0.78% |
1.08%
+14.7% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
Top 13% in tier |
| Net Interest Margin ? |
5.23%
+3.6% YoY
+1.3% QoQ
|
+1.37% |
3.85%
+6.6% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Top 6% in tier |
| Efficiency Ratio ? |
64.53%
+0.4% YoY
-2.3% QoQ
|
-3.19% |
67.73%
-4.8% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
54% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
92.31%
-0.8% YoY
+6.6% QoQ
|
+17.79% |
74.53%
+0.5% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
39.22%
+0.2% YoY
-0.7% QoQ
|
+16.83% |
22.39%
-1.3% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
Top 8% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
12.20%
-0.5% YoY
-0.7% QoQ
|
+3.34% |
8.85%
-3.4% YoY
|
9.37%
-0.1% YoY
|
9.75%
-1.9% YoY
|
59% |
| Non-Interest Income / Assets ? |
0.43%
+39.5% YoY
+47.3% QoQ
|
-0.13% |
0.56%
+0.3% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
60% |
Signature Analysis
Strengths (4)
Net Interest Margin
metric
Top 6%
in Micro
Why this stands out
Current:
5.23%
(Tier avg: 3.85%, National avg: 3.75%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Top 8%
in Micro
Why this stands out
Current:
39.22%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
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
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
96
96th pctile
Total Loans
Current: $325.5M · Tier avg: $139.2M
94
94th pctile
Net Interest Margin
Current: 5.23% · Tier avg: 3.85%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 39.22% · Tier avg: 22.39%
90
90th pctile
Total Deposits
Current: $352.6M · Tier avg: $183.7M
89
89th pctile
Total Assets
Current: $403.4M · Tier avg: $217.5M
87
87th pctile
Return on Assets
Current: 1.86% · Tier avg: 1.08%
60
60th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.56%
59
59th pctile
Tier 1 Capital Ratio
Current: 12.20% · Tier avg: 8.85%
54
54th pctile
Efficiency Ratio
Current: 64.53% · Tier avg: 67.73%
19
19th pctile
Loan-to-Deposit Ratio
Current: 92.31% · Tier avg: 74.53%
Top Weaknesses
19
19th pctile
Loan-to-Deposit Ratio
Current: 92.31% · Tier avg: 74.53%
54
54th pctile
Efficiency Ratio
Current: 64.53% · Tier avg: 67.73%
59
59th pctile
Tier 1 Capital Ratio
Current: 12.20% · Tier avg: 8.85%
60
60th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.56%
87
87th pctile
Return on Assets
Current: 1.86% · Tier avg: 1.08%
89
89th pctile
Total Assets
Current: $403.4M · Tier avg: $217.5M
90
90th pctile
Total Deposits
Current: $352.6M · Tier avg: $183.7M
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 39.22% · Tier avg: 22.39%
94
94th pctile
Net Interest Margin
Current: 5.23% · Tier avg: 3.85%
96
96th pctile
Total Loans
Current: $325.5M · Tier avg: $139.2M
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%