BlastPoint's Banking Scorecard
First Bank, Upper Michigan
Community
Specialty: Commercial
MI
FDIC cert 14276
Gladstone, MI
1484
banks in Community tier nationally
28 in MI
View Community leaderboard (MI) →
First Bank, Upper Michigan has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 28% in Community
- + Revenue Diversifier: Top 31% in Community
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 18% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$632.9M
+2.5% YoY
-1.6% QoQ
|
-$758.6M |
$1.4B
+2.0% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
19% |
| Total Loans ? |
$440.8M
+4.9% YoY
+0.6% QoQ
|
-$534.7M |
$975.5M
+2.4% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
21% |
| Total Deposits ? |
$524.4M
+1.6% YoY
-2.6% QoQ
|
-$640.2M |
$1.2B
+1.7% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
17% |
| Return on Assets ? |
1.89%
+23.1% YoY
+4.2% QoQ
|
+0.72% |
1.16%
+17.2% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
Top 11% in tier |
| Net Interest Margin ? |
4.18%
+13.2% YoY
+1.5% QoQ
|
+0.52% |
3.66%
+9.1% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
77% |
| Efficiency Ratio ? |
58.78%
-5.6% YoY
-1.5% QoQ
|
-3.86% |
62.63%
-5.3% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
61% |
| Delinquency Rate ? |
0.55%
-7.0% YoY
-13.3% QoQ
|
-0.08% |
0.63%
+18.3% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
84.05%
+3.3% YoY
+3.3% QoQ
|
+0.99% |
83.06%
+0.3% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
18.79%
-19.3% YoY
-3.8% QoQ
|
-2.26% |
21.05%
-0.9% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
43% |
| Nonperforming Asset Ratio ? |
0.39%
-11.1% YoY
-12.7% QoQ
|
-0.11% |
0.50%
+20.3% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
46% |
| Tier 1 Capital Ratio ? |
15.76%
+5.5% YoY
+4.3% QoQ
|
+5.51% |
10.24%
-0.6% YoY
|
9.37%
-0.1% YoY
|
9.75%
-1.9% YoY
|
81% |
| Non-Interest Income / Assets ? |
1.16%
+3.8% YoY
+38.8% QoQ
|
+0.42% |
0.74%
-1.3% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
Top 10% in tier |
Signature Analysis
Strengths (2)
Profitability Leader
growth
#105 of 371 · Top 28% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.89%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Revenue Diversifier
growth
#117 of 371 · Top 31% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.16%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.89%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Concerns (1)
NIB Deposit Bleed
decline
#17 of 89 · Bottom 18% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
18.79%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 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
Non-Interest Income / Assets
Current: 1.16% · Tier avg: 0.74%
89
89th pctile
Return on Assets
Current: 1.89% · Tier avg: 1.16%
81
81th pctile
Tier 1 Capital Ratio
Current: 15.76% · Tier avg: 10.24%
77
77th pctile
Net Interest Margin
Current: 4.18% · Tier avg: 3.66%
61
61th pctile
Efficiency Ratio
Current: 58.78% · Tier avg: 62.63%
53
53th pctile
Loan-to-Deposit Ratio
Current: 84.05% · Tier avg: 83.06%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.39% · Tier avg: 0.50%
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 18.79% · Tier avg: 21.05%
43
43th pctile
Delinquency Rate
Current: 0.55% · Tier avg: 0.63%
21
21th pctile
Total Loans
Current: $440.8M · Tier avg: $975.5M
19
19th pctile
Total Assets
Current: $632.9M · Tier avg: $1.4B
17
17th pctile
Total Deposits
Current: $524.4M · Tier avg: $1.2B
Top Weaknesses
17
17th pctile
Total Deposits
Current: $524.4M · Tier avg: $1.2B
19
19th pctile
Total Assets
Current: $632.9M · Tier avg: $1.4B
21
21th pctile
Total Loans
Current: $440.8M · Tier avg: $975.5M
43
43th pctile
Delinquency Rate
Current: 0.55% · Tier avg: 0.63%
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 18.79% · Tier avg: 21.05%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.39% · Tier avg: 0.50%
53
53th pctile
Loan-to-Deposit Ratio
Current: 84.05% · Tier avg: 83.06%
61
61th pctile
Efficiency Ratio
Current: 58.78% · Tier avg: 62.63%
77
77th pctile
Net Interest Margin
Current: 4.18% · Tier avg: 3.66%
81
81th pctile
Tier 1 Capital Ratio
Current: 15.76% · Tier avg: 10.24%
89
89th pctile
Return on Assets
Current: 1.89% · Tier avg: 1.16%
90
90th pctile
Non-Interest Income / Assets
Current: 1.16% · Tier avg: 0.74%