BlastPoint's Banking Scorecard
Sturgis Bank & Trust Company
Community
Specialty: Commercial
MI
FDIC cert 28593
Sturgis, MI
1484
banks in Community tier nationally
28 in MI
View Community leaderboard (MI) →
Sturgis Bank & Trust Company 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
- - Credit Risk Growth: Bottom 7% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$997.9M
+4.4% YoY
-0.0% QoQ
|
-$393.5M |
$1.4B
+2.0% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
50% |
| Total Loans ? |
$782.1M
+1.3% YoY
-0.6% QoQ
|
-$193.4M |
$975.5M
+2.4% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
56% |
| Total Deposits ? |
$892.9M
+9.7% YoY
-0.2% QoQ
|
-$271.7M |
$1.2B
+1.7% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
53% |
| Return on Assets ? |
0.92%
+100.2% YoY
+3.1% QoQ
|
-0.25% |
1.16%
+17.2% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
32% |
| Net Interest Margin ? |
3.74%
+11.0% YoY
+1.0% QoQ
|
+0.07% |
3.66%
+9.1% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
56% |
| Efficiency Ratio ? |
74.94%
-0.0% YoY
+0.2% QoQ
|
+12.31% |
62.63%
-5.3% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
17% |
| Delinquency Rate ? |
1.01%
+23.7% YoY
-23.6% QoQ
|
+0.39% |
0.63%
+18.3% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
87.59%
-7.7% YoY
-0.4% QoQ
|
+4.53% |
83.06%
+0.3% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
19.52%
+0.7% YoY
+7.0% QoQ
|
-1.53% |
21.05%
-0.9% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
47% |
| Nonperforming Asset Ratio ? |
1.13%
+66.7% YoY
+3.2% QoQ
|
+0.63% |
0.50%
+20.3% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
16% |
| Tier 1 Capital Ratio ? |
11.61%
+4.8% YoY
+2.8% QoQ
|
+1.36% |
10.24%
-0.6% YoY
|
9.37%
-0.1% YoY
|
9.75%
-1.9% YoY
|
43% |
| Non-Interest Income / Assets ? |
0.93%
-9.9% YoY
+39.9% QoQ
|
+0.19% |
0.74%
-1.3% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
84% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Credit Risk Growth
risk
#44 of 642 · Bottom 7% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 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
84
84th pctile
Non-Interest Income / Assets
Current: 0.93% · Tier avg: 0.74%
56
56th pctile
Net Interest Margin
Current: 3.74% · Tier avg: 3.66%
56
56th pctile
Total Loans
Current: $782.1M · Tier avg: $975.5M
53
53th pctile
Total Deposits
Current: $892.9M · Tier avg: $1.2B
50
50th pctile
Total Assets
Current: $997.9M · Tier avg: $1.4B
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 19.52% · Tier avg: 21.05%
43
43th pctile
Tier 1 Capital Ratio
Current: 11.61% · Tier avg: 10.24%
42
42th pctile
Loan-to-Deposit Ratio
Current: 87.59% · Tier avg: 83.06%
32
32th pctile
Return on Assets
Current: 0.92% · Tier avg: 1.16%
25
25th pctile
Delinquency Rate
Current: 1.01% · Tier avg: 0.63%
17
17th pctile
Efficiency Ratio
Current: 74.94% · Tier avg: 62.63%
16
16th pctile
Nonperforming Asset Ratio
Current: 1.13% · Tier avg: 0.50%
Top Weaknesses
16
16th pctile
Nonperforming Asset Ratio
Current: 1.13% · Tier avg: 0.50%
17
17th pctile
Efficiency Ratio
Current: 74.94% · Tier avg: 62.63%
25
25th pctile
Delinquency Rate
Current: 1.01% · Tier avg: 0.63%
32
32th pctile
Return on Assets
Current: 0.92% · Tier avg: 1.16%
42
42th pctile
Loan-to-Deposit Ratio
Current: 87.59% · Tier avg: 83.06%
43
43th pctile
Tier 1 Capital Ratio
Current: 11.61% · Tier avg: 10.24%
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 19.52% · Tier avg: 21.05%
50
50th pctile
Total Assets
Current: $997.9M · Tier avg: $1.4B
53
53th pctile
Total Deposits
Current: $892.9M · Tier avg: $1.2B
56
56th pctile
Total Loans
Current: $782.1M · Tier avg: $975.5M
56
56th pctile
Net Interest Margin
Current: 3.74% · Tier avg: 3.66%
84
84th pctile
Non-Interest Income / Assets
Current: 0.93% · Tier avg: 0.74%