BlastPoint's Banking Scorecard
First National Bank of America
Mid-Market
Specialty: Mortgage
MI
FDIC cert 17438
East Lansing, MI
201
banks in Mid-Market tier nationally
4 in MI
View Mid-Market leaderboard (MI) →
First National Bank of America has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 34% in Mid-Market
- + Net Interest Margin 1.46% above tier
- + Efficiency Ratio 31.93% below tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 49% in Mid-Market
- - Loan-to-Deposit Ratio 74.61% above tier
- - Non-Interest-Bearing Deposit Share 18.49% below tier
- - Nonperforming Asset Ratio 1.28% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$6.7B
+6.2% YoY
+2.0% QoQ
|
-$3.8B |
$10.5B
+2.9% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
28% |
| Total Loans ? |
$6.1B
+6.1% YoY
+2.2% QoQ
|
-$989.6M |
$7.1B
+4.5% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
52% |
| Total Deposits ? |
$3.8B
+4.1% YoY
+0.4% QoQ
|
-$4.7B |
$8.5B
+3.0% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 2% in tier |
| Return on Assets ? |
2.94%
-0.6% YoY
+0.4% QoQ
|
+1.77% |
1.16%
+9.4% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
Top 2% in tier |
| Net Interest Margin ? |
4.86%
+0.2% YoY
-0.0% QoQ
|
+1.46% |
3.40%
+7.9% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Top 7% in tier |
| Efficiency Ratio ? |
24.67%
+4.5% YoY
-0.8% QoQ
|
-31.93% |
56.60%
-3.2% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
1.84%
+24.7% YoY
+4.8% QoQ
|
+1.16% |
0.68%
+12.0% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
Bottom 8% in tier |
| Loan-to-Deposit Ratio ? |
160.09%
+2.0% YoY
+1.7% QoQ
|
+74.61% |
85.47%
+1.1% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
2.15%
-4.7% YoY
-26.6% QoQ
|
-18.49% |
20.64%
-0.3% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 6% in tier |
| Nonperforming Asset Ratio ? |
1.78%
+24.0% YoY
+6.3% QoQ
|
+1.28% |
0.50%
+7.3% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
Bottom 5% in tier |
| Tier 1 Capital Ratio ? |
15.13%
-1.2% YoY
-1.0% QoQ
|
+1.58% |
13.55%
+1.8% YoY
|
9.37%
-0.1% YoY
|
9.75%
-1.9% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.29%
-14.7% YoY
+29.1% QoQ
|
-0.67% |
0.96%
+7.1% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 15% in tier |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#18 of 51 · Top 34% in Mid-Market
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.94%
(Tier: 1.16%, National: 1.12%)
51 of 51 Mid-Market banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Net Interest Margin
metric
Top 7%
in Mid-Market
Why this stands out
Current:
4.86%
(Tier avg: 3.40%, National avg: 3.75%)
Efficiency Ratio
metric
Top 1%
in Mid-Market
Why this stands out
Current:
24.67%
(Tier avg: 56.60%, National avg: 65.09%)
Concerns (4)
Credit Risk Growth
risk
#43 of 87 · Bottom 49% in Mid-Market
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
87 of 87 Mid-Market banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Loan-to-Deposit Ratio
metric
Bottom 1%
in Mid-Market
Why this stands out
Current:
160.09%
(Tier avg: 85.47%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 6%
in Mid-Market
Why this stands out
Current:
2.15%
(Tier avg: 20.64%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 5%
in Mid-Market
Why this stands out
Current:
1.78%
(Tier avg: 0.50%, National avg: 0.48%)
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
99
99th pctile
Efficiency Ratio
Current: 24.67% · Tier avg: 56.60%
98
98th pctile
Return on Assets
Current: 2.94% · Tier avg: 1.16%
93
93th pctile
Net Interest Margin
Current: 4.86% · Tier avg: 3.40%
81
81th pctile
Tier 1 Capital Ratio
Current: 15.13% · Tier avg: 13.55%
52
52th pctile
Total Loans
Current: $6.1B · Tier avg: $7.1B
28
28th pctile
Total Assets
Current: $6.7B · Tier avg: $10.5B
15
15th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.96%
8
8th pctile
Delinquency Rate
Current: 1.84% · Tier avg: 0.68%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 2.15% · Tier avg: 20.64%
5
5th pctile
Nonperforming Asset Ratio
Current: 1.78% · Tier avg: 0.50%
2
2th pctile
Total Deposits
Current: $3.8B · Tier avg: $8.5B
0
0th pctile
Loan-to-Deposit Ratio
Current: 160.09% · Tier avg: 85.47%
Top Weaknesses
0
0th pctile
Loan-to-Deposit Ratio
Current: 160.09% · Tier avg: 85.47%
2
2th pctile
Total Deposits
Current: $3.8B · Tier avg: $8.5B
5
5th pctile
Nonperforming Asset Ratio
Current: 1.78% · Tier avg: 0.50%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 2.15% · Tier avg: 20.64%
8
8th pctile
Delinquency Rate
Current: 1.84% · Tier avg: 0.68%
15
15th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.96%
28
28th pctile
Total Assets
Current: $6.7B · Tier avg: $10.5B
52
52th pctile
Total Loans
Current: $6.1B · Tier avg: $7.1B
81
81th pctile
Tier 1 Capital Ratio
Current: 15.13% · Tier avg: 13.55%
93
93th pctile
Net Interest Margin
Current: 4.86% · Tier avg: 3.40%
98
98th pctile
Return on Assets
Current: 2.94% · Tier avg: 1.16%
99
99th pctile
Efficiency Ratio
Current: 24.67% · Tier avg: 56.60%