BlastPoint's Banking Scorecard
The Dart Bank
Community
Specialty: Commercial
MI
FDIC cert 5033
Mason, MI
1484
banks in Community tier nationally
28 in MI
View Community leaderboard (MI) →
The Dart Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 22% in Community
- + Deposit Franchise: Top 33% in Community
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 39% in Community
- - Credit Risk Growth: Bottom 46% in Community
- - Efficiency Drag: Bottom 66% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+8.8% YoY
+4.2% QoQ
|
+$41.2M |
$1.4B
+2.0% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
67% |
| Total Loans ? |
$1.2B
+6.8% YoY
+2.3% QoQ
|
+$196.4M |
$975.5M
+2.4% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
74% |
| Total Deposits ? |
$1.2B
+6.3% YoY
+5.1% QoQ
|
+$65.7M |
$1.2B
+1.7% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
69% |
| Return on Assets ? |
0.92%
+43.5% YoY
+1.6% QoQ
|
-0.25% |
1.16%
+17.2% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
32% |
| Net Interest Margin ? |
4.31%
+25.2% YoY
+0.7% QoQ
|
+0.65% |
3.66%
+9.1% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
81% |
| Efficiency Ratio ? |
83.80%
-0.9% YoY
+1.3% QoQ
|
+21.17% |
62.63%
-5.3% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
Bottom 7% in tier |
| Delinquency Rate ? |
1.07%
+41.1% YoY
-12.6% QoQ
|
+0.44% |
0.63%
+18.3% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
95.25%
+0.4% YoY
-2.7% QoQ
|
+12.19% |
83.06%
+0.3% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
48.84%
+34.9% YoY
-0.6% QoQ
|
+27.80% |
21.05%
-0.9% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
Top 2% in tier |
| Nonperforming Asset Ratio ? |
0.91%
+42.8% YoY
-10.5% QoQ
|
+0.42% |
0.50%
+20.3% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
22% |
| Tier 1 Capital Ratio ? |
11.03%
+3.6% YoY
+0.2% QoQ
|
+0.78% |
10.24%
-0.6% YoY
|
9.37%
-0.1% YoY
|
9.75%
-1.9% YoY
|
37% |
| Non-Interest Income / Assets ? |
2.68%
+24.2% YoY
+33.8% QoQ
|
+1.94% |
0.74%
-1.3% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
Top 3% in tier |
Signature Analysis
Strengths (2)
Revenue Diversifier
growth
#83 of 371 · Top 22% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
2.68%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
0.92%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Deposit Franchise
growth
#50 of 150 · Top 33% 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:
48.84%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.31%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Concerns (3)
Liquidity Strain
risk
#202 of 513 · Bottom 39% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
95.25%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#297 of 642 · Bottom 46% 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
Efficiency Drag
risk
#100 of 152 · Bottom 66% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
83.80%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
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
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 48.84% · Tier avg: 21.05%
97
97th pctile
Non-Interest Income / Assets
Current: 2.68% · Tier avg: 0.74%
81
81th pctile
Net Interest Margin
Current: 4.31% · Tier avg: 3.66%
78
78th pctile
Loan-to-Deposit Ratio
Current: 95.25% · Tier avg: 83.06%
74
74th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
69
69th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
67
67th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
37
37th pctile
Tier 1 Capital Ratio
Current: 11.03% · Tier avg: 10.24%
32
32th pctile
Return on Assets
Current: 0.92% · Tier avg: 1.16%
24
24th pctile
Delinquency Rate
Current: 1.07% · Tier avg: 0.63%
22
22th pctile
Nonperforming Asset Ratio
Current: 0.91% · Tier avg: 0.50%
7
7th pctile
Efficiency Ratio
Current: 83.80% · Tier avg: 62.63%
Top Weaknesses
7
7th pctile
Efficiency Ratio
Current: 83.80% · Tier avg: 62.63%
22
22th pctile
Nonperforming Asset Ratio
Current: 0.91% · Tier avg: 0.50%
24
24th pctile
Delinquency Rate
Current: 1.07% · Tier avg: 0.63%
32
32th pctile
Return on Assets
Current: 0.92% · Tier avg: 1.16%
37
37th pctile
Tier 1 Capital Ratio
Current: 11.03% · Tier avg: 10.24%
67
67th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
69
69th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
74
74th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
78
78th pctile
Loan-to-Deposit Ratio
Current: 95.25% · Tier avg: 83.06%
81
81th pctile
Net Interest Margin
Current: 4.31% · Tier avg: 3.66%
97
97th pctile
Non-Interest Income / Assets
Current: 2.68% · Tier avg: 0.74%
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 48.84% · Tier avg: 21.05%