BlastPoint's Banking Scorecard
Southern Michigan Bank & Trust
Community
Specialty: Commercial
MI
FDIC cert 5019
Coldwater, MI
1484
banks in Community tier nationally
28 in MI
View Community leaderboard (MI) →
Southern Michigan Bank & Trust shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
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 ? |
$1.7B
+13.0% YoY
+1.6% QoQ
|
+$298.9M |
$1.4B
+2.0% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
75% |
| Total Loans ? |
$1.3B
+13.9% YoY
+3.6% QoQ
|
+$282.6M |
$975.5M
+2.4% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
76% |
| Total Deposits ? |
$1.4B
+13.0% YoY
+1.6% QoQ
|
+$258.6M |
$1.2B
+1.7% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
75% |
| Return on Assets ? |
0.91%
+13.3% YoY
-2.8% QoQ
|
-0.26% |
1.16%
+17.2% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
32% |
| Net Interest Margin ? |
3.32%
+6.2% YoY
-0.1% QoQ
|
-0.35% |
3.66%
+9.1% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
31% |
| Efficiency Ratio ? |
65.18%
-7.4% YoY
-0.2% QoQ
|
+2.55% |
62.63%
-5.3% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
40% |
| Delinquency Rate ? |
0.99%
-4.3% QoQ
|
+0.36% |
0.63%
+18.3% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
88.40%
+0.8% YoY
+2.0% QoQ
|
+5.33% |
83.06%
+0.3% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
16.18%
-11.8% YoY
-2.4% QoQ
|
-4.87% |
21.05%
-0.9% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
31% |
| Nonperforming Asset Ratio ? |
0.96%
+26.5% QoQ
|
+0.46% |
0.50%
+20.3% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
21% |
| Tier 1 Capital Ratio ? |
11.01%
-4.2% YoY
-2.2% QoQ
|
+0.76% |
10.24%
-0.6% YoY
|
9.37%
-0.1% YoY
|
9.75%
-1.9% YoY
|
37% |
| Non-Interest Income / Assets ? |
0.58%
+3.6% YoY
+33.5% QoQ
|
-0.15% |
0.74%
-1.3% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
59% |
Signature Analysis
Strengths (0)
No strengths identified
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
76
76th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
75
75th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
75
75th pctile
Total Assets
Current: $1.7B · Tier avg: $1.4B
59
59th pctile
Non-Interest Income / Assets
Current: 0.58% · Tier avg: 0.74%
40
40th pctile
Efficiency Ratio
Current: 65.18% · Tier avg: 62.63%
40
40th pctile
Loan-to-Deposit Ratio
Current: 88.40% · Tier avg: 83.06%
37
37th pctile
Tier 1 Capital Ratio
Current: 11.01% · Tier avg: 10.24%
32
32th pctile
Return on Assets
Current: 0.91% · Tier avg: 1.16%
31
31th pctile
Net Interest Margin
Current: 3.32% · Tier avg: 3.66%
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 16.18% · Tier avg: 21.05%
26
26th pctile
Delinquency Rate
Current: 0.99% · Tier avg: 0.63%
21
21th pctile
Nonperforming Asset Ratio
Current: 0.96% · Tier avg: 0.50%
Top Weaknesses
21
21th pctile
Nonperforming Asset Ratio
Current: 0.96% · Tier avg: 0.50%
26
26th pctile
Delinquency Rate
Current: 0.99% · Tier avg: 0.63%
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 16.18% · Tier avg: 21.05%
31
31th pctile
Net Interest Margin
Current: 3.32% · Tier avg: 3.66%
32
32th pctile
Return on Assets
Current: 0.91% · Tier avg: 1.16%
37
37th pctile
Tier 1 Capital Ratio
Current: 11.01% · Tier avg: 10.24%
40
40th pctile
Loan-to-Deposit Ratio
Current: 88.40% · Tier avg: 83.06%
40
40th pctile
Efficiency Ratio
Current: 65.18% · Tier avg: 62.63%
59
59th pctile
Non-Interest Income / Assets
Current: 0.58% · Tier avg: 0.74%
75
75th pctile
Total Assets
Current: $1.7B · Tier avg: $1.4B
75
75th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
76
76th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M