BlastPoint's Banking Scorecard
Dearborn Federal Savings Bank
Micro
Specialty: Mortgage
MI
FDIC cert 29874
Designations: ✓ Community bank ✓ Mutual
Dearborn, MI
2498
banks in Micro tier nationally
41 in MI
View Micro leaderboard (MI) →
Dearborn Federal Savings Bank faces 6 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.59% below tier
- - Net Interest Margin 1.14% below tier
- - Efficiency Ratio 53.98% above tier
- - Loan-to-Deposit Ratio 34.57% above tier
- - Non-Interest-Bearing Deposit Share 14.30% below tier
- - Non-Interest Income / Assets 0.52% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$288.5M
+4.3% YoY
-1.2% QoQ
|
+$71.0M |
$217.5M
+2.3% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
70% |
| Total Loans ? |
$199.9M
-1.3% YoY
-0.2% QoQ
|
+$60.7M |
$139.2M
+2.8% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
74% |
| Total Deposits ? |
$183.2M
+8.9% YoY
-2.0% QoQ
|
-$455K |
$183.7M
+1.8% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
55% |
| Return on Assets ? |
-0.50%
+0.8% QoQ
|
-1.59% |
1.08%
+14.7% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
Bottom 4% in tier |
| Net Interest Margin ? |
2.71%
+6.6% YoY
+0.6% QoQ
|
-1.14% |
3.85%
+6.6% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Bottom 9% in tier |
| Efficiency Ratio ? |
121.71%
+21.7% YoY
-0.7% QoQ
|
+53.98% |
67.73%
-4.8% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
Bottom 2% in tier |
| Delinquency Rate ? | 0.62% | -0.02% |
0.64%
+24.4% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
109.10%
-9.4% YoY
+1.9% QoQ
|
+34.57% |
74.53%
+0.5% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
8.09%
-8.4% YoY
+9.5% QoQ
|
-14.30% |
22.39%
-1.3% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 9% in tier |
| Nonperforming Asset Ratio ? | 0.43% | -0.02% |
0.45%
+25.1% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
41% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-8.85% |
8.85%
-3.4% YoY
|
9.37%
-0.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.04%
+13.5% YoY
+70.2% QoQ
|
-0.52% |
0.56%
+0.3% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 2% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (6)
Return on Assets
metric
Bottom 4%
in Micro
Why this stands out
Current:
-0.50%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 9%
in Micro
Why this stands out
Current:
2.71%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 2%
in Micro
Why this stands out
Current:
121.71%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
109.10%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 9%
in Micro
Why this stands out
Current:
8.09%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.04%
(Tier avg: 0.56%, National avg: 0.65%)
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
74
74th pctile
Total Loans
Current: $199.9M · Tier avg: $139.2M
70
70th pctile
Total Assets
Current: $288.5M · Tier avg: $217.5M
55
55th pctile
Total Deposits
Current: $183.2M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
41
41th pctile
Nonperforming Asset Ratio
Current: 0.43% · Tier avg: 0.45%
40
40th pctile
Delinquency Rate
Current: 0.62% · Tier avg: 0.64%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 8.09% · Tier avg: 22.39%
9
9th pctile
Net Interest Margin
Current: 2.71% · Tier avg: 3.85%
4
4th pctile
Loan-to-Deposit Ratio
Current: 109.10% · Tier avg: 74.53%
4
4th pctile
Return on Assets
Current: -0.50% · Tier avg: 1.08%
2
2th pctile
Non-Interest Income / Assets
Current: 0.04% · Tier avg: 0.56%
2
2th pctile
Efficiency Ratio
Current: 121.71% · Tier avg: 67.73%
Top Weaknesses
2
2th pctile
Efficiency Ratio
Current: 121.71% · Tier avg: 67.73%
2
2th pctile
Non-Interest Income / Assets
Current: 0.04% · Tier avg: 0.56%
4
4th pctile
Return on Assets
Current: -0.50% · Tier avg: 1.08%
4
4th pctile
Loan-to-Deposit Ratio
Current: 109.10% · Tier avg: 74.53%
9
9th pctile
Net Interest Margin
Current: 2.71% · Tier avg: 3.85%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 8.09% · Tier avg: 22.39%
40
40th pctile
Delinquency Rate
Current: 0.62% · Tier avg: 0.64%
41
41th pctile
Nonperforming Asset Ratio
Current: 0.43% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
55
55th pctile
Total Deposits
Current: $183.2M · Tier avg: $183.7M
70
70th pctile
Total Assets
Current: $288.5M · Tier avg: $217.5M
74
74th pctile
Total Loans
Current: $199.9M · Tier avg: $139.2M