BlastPoint's Banking Scorecard
Bank of Ann Arbor
Community
Specialty: Commercial
MI
FDIC cert 34120
Ann Arbor, MI
1484
banks in Community tier nationally
28 in MI
View Community leaderboard (MI) →
Bank of Ann Arbor has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 71% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 19% in Community
- - Credit Risk Growth: Bottom 31% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.3B
+4.9% YoY
+1.2% QoQ
|
+$1.9B |
$1.4B
+2.0% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
Top 6% in tier |
| Total Loans ? |
$2.7B
+7.6% YoY
+2.4% QoQ
|
+$1.7B |
$975.5M
+2.4% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
Top 4% in tier |
| Total Deposits ? |
$2.7B
+5.5% YoY
-1.1% QoQ
|
+$1.6B |
$1.2B
+1.7% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
Top 7% in tier |
| Return on Assets ? |
1.72%
+9.0% YoY
-4.0% QoQ
|
+0.56% |
1.16%
+17.2% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
84% |
| Net Interest Margin ? |
4.34%
+4.7% YoY
+0.7% QoQ
|
+0.67% |
3.66%
+9.1% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
82% |
| Efficiency Ratio ? |
50.85%
-3.5% YoY
+9.6% QoQ
|
-11.78% |
62.63%
-5.3% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
82% |
| Delinquency Rate ? |
0.26%
+31.3% YoY
+4.1% QoQ
|
-0.37% |
0.63%
+18.3% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
98.23%
+2.0% YoY
+3.6% QoQ
|
+15.17% |
83.06%
+0.3% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
32.75%
-6.1% YoY
+2.1% QoQ
|
+11.71% |
21.05%
-0.9% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
Top 11% in tier |
| Nonperforming Asset Ratio ? |
0.24%
+3.0% YoY
-1.5% QoQ
|
-0.25% |
0.50%
+20.3% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
60% |
| Tier 1 Capital Ratio ? |
13.23%
+7.0% YoY
+1.7% QoQ
|
+2.99% |
10.24%
-0.6% YoY
|
9.37%
-0.1% YoY
|
9.75%
-1.9% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.60%
+12.2% YoY
+33.0% QoQ
|
-0.14% |
0.74%
-1.3% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
61% |
Signature Analysis
Strengths (1)
Deposit Franchise
growth
#107 of 150 · Top 71% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
32.75%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.34%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Concerns (2)
Credit Quality Pressure
risk
#158 of 808 · Bottom 19% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.26%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#199 of 642 · Bottom 31% 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 declining
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
96
96th pctile
Total Loans
Current: $2.7B · Tier avg: $975.5M
94
94th pctile
Total Assets
Current: $3.3B · Tier avg: $1.4B
93
93th pctile
Total Deposits
Current: $2.7B · Tier avg: $1.2B
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 32.75% · Tier avg: 21.05%
84
84th pctile
Return on Assets
Current: 1.72% · Tier avg: 1.16%
82
82th pctile
Efficiency Ratio
Current: 50.85% · Tier avg: 62.63%
82
82th pctile
Net Interest Margin
Current: 4.34% · Tier avg: 3.66%
65
65th pctile
Delinquency Rate
Current: 0.26% · Tier avg: 0.63%
61
61th pctile
Non-Interest Income / Assets
Current: 0.60% · Tier avg: 0.74%
60
60th pctile
Tier 1 Capital Ratio
Current: 13.23% · Tier avg: 10.24%
60
60th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.50%
16
16th pctile
Loan-to-Deposit Ratio
Current: 98.23% · Tier avg: 83.06%
Top Weaknesses
16
16th pctile
Loan-to-Deposit Ratio
Current: 98.23% · Tier avg: 83.06%
60
60th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.50%
60
60th pctile
Tier 1 Capital Ratio
Current: 13.23% · Tier avg: 10.24%
61
61th pctile
Non-Interest Income / Assets
Current: 0.60% · Tier avg: 0.74%
65
65th pctile
Delinquency Rate
Current: 0.26% · Tier avg: 0.63%
82
82th pctile
Net Interest Margin
Current: 4.34% · Tier avg: 3.66%
82
82th pctile
Efficiency Ratio
Current: 50.85% · Tier avg: 62.63%
84
84th pctile
Return on Assets
Current: 1.72% · Tier avg: 1.16%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 32.75% · Tier avg: 21.05%
93
93th pctile
Total Deposits
Current: $2.7B · Tier avg: $1.2B
94
94th pctile
Total Assets
Current: $3.3B · Tier avg: $1.4B
96
96th pctile
Total Loans
Current: $2.7B · Tier avg: $975.5M