BlastPoint's Banking Scorecard
Capitol National Bank
Micro
Specialty: Commercial
MI
FDIC cert 24199
Designations: ✓ Community bank
Lansing, MI
2498
banks in Micro tier nationally
41 in MI
View Micro leaderboard (MI) →
Capitol National Bank shows strong momentum with 2 strengths and 9.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.95% above tier
- + Net Interest Margin 1.61% above 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 ? |
$212.5M
+9.0% YoY
+4.5% QoQ
|
-$5.0M |
$217.5M
+2.3% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
54% |
| Total Loans ? |
$164.7M
+5.1% YoY
+24.8% QoQ
|
+$25.5M |
$139.2M
+2.8% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
65% |
| Total Deposits ? |
$166.2M
+2.6% YoY
-0.9% QoQ
|
-$17.4M |
$183.7M
+1.8% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
50% |
| Return on Assets ? |
2.04%
-5.1% YoY
+3.1% QoQ
|
+0.95% |
1.08%
+14.7% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
Top 9% in tier |
| Net Interest Margin ? |
5.47%
-7.8% YoY
-1.3% QoQ
|
+1.61% |
3.85%
+6.6% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Top 5% in tier |
| Efficiency Ratio ? |
54.25%
+5.7% YoY
-4.2% QoQ
|
-13.48% |
67.73%
-4.8% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
83% |
| Delinquency Rate ? |
0.30%
+441.1% YoY
|
-0.34% |
0.64%
+24.4% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
99.06%
+2.4% YoY
+25.9% QoQ
|
+24.54% |
74.53%
+0.5% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
Top 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.94%
+2.7% YoY
+7.1% QoQ
|
+3.55% |
22.39%
-1.3% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
66% |
| Nonperforming Asset Ratio ? |
0.23%
+421.8% YoY
|
-0.22% |
0.45%
+25.1% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
54% |
| 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 ? |
0.32%
-3.5% YoY
+24.4% QoQ
|
-0.24% |
0.56%
+0.3% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
44% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 9%
in Micro
Why this stands out
Current:
2.04%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 5%
in Micro
Why this stands out
Current:
5.47%
(Tier avg: 3.85%, National avg: 3.75%)
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
95
95th pctile
Net Interest Margin
Current: 5.47% · Tier avg: 3.85%
91
91th pctile
Return on Assets
Current: 2.04% · Tier avg: 1.08%
90
90th pctile
Loan-to-Deposit Ratio
Current: 99.06% · Tier avg: 74.53%
83
83th pctile
Efficiency Ratio
Current: 54.25% · Tier avg: 67.73%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 25.94% · Tier avg: 22.39%
65
65th pctile
Total Loans
Current: $164.7M · Tier avg: $139.2M
55
55th pctile
Delinquency Rate
Current: 0.30% · Tier avg: 0.64%
54
54th pctile
Total Assets
Current: $212.5M · Tier avg: $217.5M
54
54th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Total Deposits
Current: $166.2M · Tier avg: $183.7M
44
44th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.56%
Top Weaknesses
44
44th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.56%
50
50th pctile
Total Deposits
Current: $166.2M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
54
54th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.45%
54
54th pctile
Total Assets
Current: $212.5M · Tier avg: $217.5M
55
55th pctile
Delinquency Rate
Current: 0.30% · Tier avg: 0.64%
65
65th pctile
Total Loans
Current: $164.7M · Tier avg: $139.2M
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 25.94% · Tier avg: 22.39%
83
83th pctile
Efficiency Ratio
Current: 54.25% · Tier avg: 67.73%
90
90th pctile
Loan-to-Deposit Ratio
Current: 99.06% · Tier avg: 74.53%
91
91th pctile
Return on Assets
Current: 2.04% · Tier avg: 1.08%
95
95th pctile
Net Interest Margin
Current: 5.47% · Tier avg: 3.85%