BlastPoint's Banking Scorecard
First National Bank & Trust Co.
Designations: ✓ Community bank
Iron Mountain, MI
First National Bank & Trust Co. has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.46% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.97% above tier
- - Nonperforming Asset Ratio 1.39% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$412.1M
+0.5% YoY
-1.2% QoQ
|
+$194.6M |
$217.5M
+2.3% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
Top 10% in tier |
| Total Loans ? |
$206.1M
+6.6% YoY
+0.5% QoQ
|
+$66.9M |
$139.2M
+2.8% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
76% |
| Total Deposits ? |
$355.2M
-1.3% YoY
-1.8% QoQ
|
+$171.5M |
$183.7M
+1.8% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
Top 9% in tier |
| Return on Assets ? |
0.73%
+38.1% YoY
+6.3% QoQ
|
-0.35% |
1.08%
+14.7% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
30% |
| Net Interest Margin ? |
3.51%
+15.2% YoY
+2.9% QoQ
|
-0.34% |
3.85%
+6.6% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
34% |
| Efficiency Ratio ? |
74.05%
-5.4% YoY
-0.8% QoQ
|
+6.32% |
67.73%
-4.8% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
30% |
| Delinquency Rate ? |
3.61%
+0.6% YoY
+3.9% QoQ
|
+2.97% |
0.64%
+24.4% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
58.02%
+8.0% YoY
+2.3% QoQ
|
-16.51% |
74.53%
+0.5% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
29.86%
+4.7% YoY
+4.2% QoQ
|
+7.47% |
22.39%
-1.3% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
79% |
| Nonperforming Asset Ratio ? |
1.84%
+8.9% YoY
+3.5% QoQ
|
+1.39% |
0.45%
+25.1% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
Bottom 8% in tier |
| Tier 1 Capital Ratio ? |
14.81%
+3.0% YoY
+1.3% QoQ
|
+5.96% |
8.85%
-3.4% YoY
|
9.37%
-0.1% YoY
|
9.75%
-1.9% YoY
|
72% |
| Non-Interest Income / Assets ? |
1.02%
+6.2% YoY
+37.0% QoQ
|
+0.46% |
0.56%
+0.3% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
Top 8% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metricNon-Interest Income as a share of assets is in the top decile of tier peers. Fee and service revenue meaningfully diversifies away from rate-spread dependence.
Concerns (2)
Delinquency Rate
metricDelinquency Rate is in the bottom decile (highest) of tier peers. Past-due loans are running well above peer levels - leading indicator of further charge-offs unless cured or worked out.
Nonperforming Asset Ratio
metricNon-Performing Asset Ratio is in the bottom decile (highest) of tier peers. Problem assets are pressuring earnings and capital - watch reserve coverage and OREO trends.
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%