BlastPoint's Banking Scorecard
The State Savings Bank of Manistique
Micro
Specialty: Commercial
MI
FDIC cert 13249
Designations: ✓ Community bank
Manistique, MI
2498
banks in Micro tier nationally
41 in MI
View Micro leaderboard (MI) →
The State Savings Bank of Manistique faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 14.74% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$181.5M
+10.7% YoY
+7.1% QoQ
|
-$36.0M |
$217.5M
+2.3% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
46% |
| Total Loans ? |
$89.0M
+5.5% YoY
+3.1% QoQ
|
-$50.2M |
$139.2M
+2.8% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
38% |
| Total Deposits ? |
$155.4M
+12.8% YoY
+10.5% QoQ
|
-$28.3M |
$183.7M
+1.8% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
47% |
| Return on Assets ? |
0.61%
+57.2% YoY
-19.0% QoQ
|
-0.47% |
1.08%
+14.7% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
23% |
| Net Interest Margin ? |
3.03%
+7.6% YoY
+1.6% QoQ
|
-0.82% |
3.85%
+6.6% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
17% |
| Efficiency Ratio ? |
69.67%
-10.9% YoY
-0.9% QoQ
|
+1.94% |
67.73%
-4.8% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
41% |
| Delinquency Rate ? |
0.09%
-83.7% YoY
-0.5% QoQ
|
-0.55% |
0.64%
+24.4% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
57.26%
-6.5% YoY
-6.7% QoQ
|
-17.26% |
74.53%
+0.5% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
7.65%
-19.4% YoY
-15.8% QoQ
|
-14.74% |
22.39%
-1.3% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 8% in tier |
| Nonperforming Asset Ratio ? |
0.04%
-84.5% YoY
-78.2% QoQ
|
-0.41% |
0.45%
+25.1% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
75% |
| 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 ? |
0.40%
+42.5% YoY
+26.0% QoQ
|
-0.17% |
0.56%
+0.3% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
55% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 8%
in Micro
Why this stands out
Current:
7.65%
(Tier avg: 22.39%, National avg: 21.79%)
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
75
75th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.45%
72
72th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.64%
55
55th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Total Deposits
Current: $155.4M · Tier avg: $183.7M
46
46th pctile
Total Assets
Current: $181.5M · Tier avg: $217.5M
41
41th pctile
Efficiency Ratio
Current: 69.67% · Tier avg: 67.73%
38
38th pctile
Total Loans
Current: $89.0M · Tier avg: $139.2M
23
23th pctile
Return on Assets
Current: 0.61% · Tier avg: 1.08%
21
21th pctile
Loan-to-Deposit Ratio
Current: 57.26% · Tier avg: 74.53%
17
17th pctile
Net Interest Margin
Current: 3.03% · Tier avg: 3.85%
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 7.65% · Tier avg: 22.39%
Top Weaknesses
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 7.65% · Tier avg: 22.39%
17
17th pctile
Net Interest Margin
Current: 3.03% · Tier avg: 3.85%
21
21th pctile
Loan-to-Deposit Ratio
Current: 57.26% · Tier avg: 74.53%
23
23th pctile
Return on Assets
Current: 0.61% · Tier avg: 1.08%
38
38th pctile
Total Loans
Current: $89.0M · Tier avg: $139.2M
41
41th pctile
Efficiency Ratio
Current: 69.67% · Tier avg: 67.73%
46
46th pctile
Total Assets
Current: $181.5M · Tier avg: $217.5M
47
47th pctile
Total Deposits
Current: $155.4M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
55
55th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.56%
72
72th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.64%
75
75th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.45%