BlastPoint's Banking Scorecard
Peoples State Bank of Munising
Designations: ✓ Community bank
Munising, MI
Peoples State Bank of Munising faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.77% above tier
- - Nonperforming Asset Ratio 1.51% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$182.3M
-9.1% YoY
-6.1% QoQ
|
-$35.2M |
$217.5M
+2.3% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
46% |
| Total Loans ? |
$104.9M
-8.5% YoY
-6.2% QoQ
|
-$34.3M |
$139.2M
+2.8% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
44% |
| Total Deposits ? |
$139.2M
-5.2% YoY
-8.7% QoQ
|
-$44.4M |
$183.7M
+1.8% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
42% |
| Return on Assets ? |
0.71%
+9.6% YoY
+24.1% QoQ
|
-0.38% |
1.08%
+14.7% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
28% |
| Net Interest Margin ? |
3.24%
+11.8% YoY
+1.3% QoQ
|
-0.61% |
3.85%
+6.6% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
23% |
| Efficiency Ratio ? |
73.32%
-1.2% YoY
-2.7% QoQ
|
+5.59% |
67.73%
-4.8% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
32% |
| Delinquency Rate ? |
3.41%
+170.7% YoY
-14.2% QoQ
|
+2.77% |
0.64%
+24.4% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
75.31%
-3.5% YoY
+2.7% QoQ
|
+0.78% |
74.53%
+0.5% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
31.78%
-0.2% YoY
-6.8% QoQ
|
+9.39% |
22.39%
-1.3% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
83% |
| Nonperforming Asset Ratio ? |
1.96%
+172.6% YoY
-14.4% QoQ
|
+1.51% |
0.45%
+25.1% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
Bottom 7% in tier |
| 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 ? |
0.64%
-3.8% YoY
+84.8% QoQ
|
+0.08% |
0.56%
+0.3% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
79% |
Signature Analysis
Strengths (0)
Concerns (2)
Delinquency Rate
metricDelinquency Rate is in the bottom decile (highest) of tier peers. Past-due loans are running well above peer levels - leading indicator of further charge-offs unless cured or worked out.
Nonperforming Asset Ratio
metricNon-Performing Asset Ratio is in the bottom decile (highest) of tier peers. Problem assets are pressuring earnings and capital - watch reserve coverage and OREO trends.
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%