BlastPoint's Banking Scorecard
The First National Bank of St. Ignace
Micro
Specialty: Other
MI
FDIC cert 5074
Designations: ✓ Community bank
St. Ignace, MI
2498
banks in Micro tier nationally
41 in MI
View Micro leaderboard (MI) →
The First National Bank of St. Ignace has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 41.40% below tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.09% below tier
- - Net Interest Margin 1.61% below tier
- - Efficiency Ratio 23.50% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$343.7M
+8.3% YoY
-5.8% QoQ
|
+$126.2M |
$217.5M
+2.3% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
79% |
| Total Loans ? |
$107.3M
+18.3% YoY
+4.6% QoQ
|
-$31.8M |
$139.2M
+2.8% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
46% |
| Total Deposits ? |
$324.0M
+6.0% YoY
-6.9% QoQ
|
+$140.3M |
$183.7M
+1.8% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
Top 15% in tier |
| Return on Assets ? |
-0.01%
-100.7% YoY
-110.3% QoQ
|
-1.09% |
1.08%
+14.7% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
Bottom 6% in tier |
| Net Interest Margin ? |
2.24%
+8.6% YoY
+7.5% QoQ
|
-1.61% |
3.85%
+6.6% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Bottom 3% in tier |
| Efficiency Ratio ? |
91.22%
+51.0% YoY
-5.7% QoQ
|
+23.50% |
67.73%
-4.8% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
Bottom 8% in tier |
| Delinquency Rate ? |
0.75%
+174.1% YoY
|
+0.11% |
0.64%
+24.4% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
36% |
| Loan-to-Deposit Ratio ? |
33.13%
+11.6% YoY
+12.4% QoQ
|
-41.40% |
74.53%
+0.5% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
Top 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.57%
+6.2% YoY
-10.9% QoQ
|
+4.17% |
22.39%
-1.3% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
69% |
| Nonperforming Asset Ratio ? |
0.23%
+17.0% YoY
|
-0.22% |
0.45%
+25.1% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
54% |
| Tier 1 Capital Ratio ? |
16.01%
-3.8% YoY
-2.5% QoQ
|
+7.16% |
8.85%
-3.4% YoY
|
9.37%
-0.1% YoY
|
9.75%
-1.9% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.43%
-78.2% YoY
+37.9% QoQ
|
-0.13% |
0.56%
+0.3% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
61% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
33.13%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (3)
Return on Assets
metric
Bottom 6%
in Micro
Why this stands out
Current:
-0.01%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 3%
in Micro
Why this stands out
Current:
2.24%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
91.22%
(Tier avg: 67.73%, National avg: 65.09%)
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
97
97th pctile
Loan-to-Deposit Ratio
Current: 33.13% · Tier avg: 74.53%
85
85th pctile
Total Deposits
Current: $324.0M · Tier avg: $183.7M
79
79th pctile
Total Assets
Current: $343.7M · Tier avg: $217.5M
76
76th pctile
Tier 1 Capital Ratio
Current: 16.01% · Tier avg: 8.85%
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 26.57% · Tier avg: 22.39%
61
61th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.56%
54
54th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.45%
46
46th pctile
Total Loans
Current: $107.3M · Tier avg: $139.2M
36
36th pctile
Delinquency Rate
Current: 0.75% · Tier avg: 0.64%
8
8th pctile
Efficiency Ratio
Current: 91.22% · Tier avg: 67.73%
6
6th pctile
Return on Assets
Current: -0.01% · Tier avg: 1.08%
3
3th pctile
Net Interest Margin
Current: 2.24% · Tier avg: 3.85%
Top Weaknesses
3
3th pctile
Net Interest Margin
Current: 2.24% · Tier avg: 3.85%
6
6th pctile
Return on Assets
Current: -0.01% · Tier avg: 1.08%
8
8th pctile
Efficiency Ratio
Current: 91.22% · Tier avg: 67.73%
36
36th pctile
Delinquency Rate
Current: 0.75% · Tier avg: 0.64%
46
46th pctile
Total Loans
Current: $107.3M · Tier avg: $139.2M
54
54th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.45%
61
61th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.56%
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 26.57% · Tier avg: 22.39%
76
76th pctile
Tier 1 Capital Ratio
Current: 16.01% · Tier avg: 8.85%
79
79th pctile
Total Assets
Current: $343.7M · Tier avg: $217.5M
85
85th pctile
Total Deposits
Current: $324.0M · Tier avg: $183.7M
97
97th pctile
Loan-to-Deposit Ratio
Current: 33.13% · Tier avg: 74.53%