BlastPoint's Banking Scorecard
The First National Bank of Wakefield
Micro
Specialty: Other
MI
FDIC cert 5076
Designations: ✓ Community bank
Wakefield, MI
2498
banks in Micro tier nationally
41 in MI
View Micro leaderboard (MI) →
The First National Bank of Wakefield has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 14.66% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 30.09% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$53.0M
-0.8% YoY
-2.3% QoQ
|
-$164.5M |
$217.5M
+2.3% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
Bottom 8% in tier |
| Total Loans ? |
$20.9M
-3.1% YoY
+1.4% QoQ
|
-$118.3M |
$139.2M
+2.8% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
Bottom 7% in tier |
| Total Deposits ? |
$46.9M
-4.2% YoY
-4.7% QoQ
|
-$136.7M |
$183.7M
+1.8% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 9% in tier |
| Return on Assets ? |
0.57%
+19.5% YoY
-12.4% QoQ
|
-0.52% |
1.08%
+14.7% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
21% |
| Net Interest Margin ? |
4.08%
+11.5% YoY
+2.3% QoQ
|
+0.22% |
3.85%
+6.6% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
62% |
| Efficiency Ratio ? |
82.57%
-3.1% YoY
+0.1% QoQ
|
+14.84% |
67.73%
-4.8% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
17% |
| Delinquency Rate ? |
0.91%
-1.5% YoY
+4.2% QoQ
|
+0.27% |
0.64%
+24.4% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
44.44%
+1.1% YoY
+6.4% QoQ
|
-30.09% |
74.53%
+0.5% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
34.88%
+4.0% YoY
-0.7% QoQ
|
+12.48% |
22.39%
-1.3% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
Top 12% in tier |
| Nonperforming Asset Ratio ? |
0.45%
+21.2% YoY
-7.8% QoQ
|
0 |
0.45%
+25.1% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
40% |
| Tier 1 Capital Ratio ? |
23.51%
+0.6% YoY
+0.3% QoQ
|
+14.66% |
8.85%
-3.4% YoY
|
9.37%
-0.1% YoY
|
9.75%
-1.9% YoY
|
Top 9% in tier |
| Non-Interest Income / Assets ? |
0.30%
+6.8% YoY
+32.0% QoQ
|
-0.26% |
0.56%
+0.3% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
41% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
23.51%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
44.44%
(Tier avg: 74.53%, National avg: 78.04%)
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
91
91th pctile
Tier 1 Capital Ratio
Current: 23.51% · Tier avg: 8.85%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 34.88% · Tier avg: 22.39%
62
62th pctile
Net Interest Margin
Current: 4.08% · Tier avg: 3.85%
41
41th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
40
40th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.45%
31
31th pctile
Delinquency Rate
Current: 0.91% · Tier avg: 0.64%
21
21th pctile
Return on Assets
Current: 0.57% · Tier avg: 1.08%
17
17th pctile
Efficiency Ratio
Current: 82.57% · Tier avg: 67.73%
9
9th pctile
Total Deposits
Current: $46.9M · Tier avg: $183.7M
9
9th pctile
Loan-to-Deposit Ratio
Current: 44.44% · Tier avg: 74.53%
8
8th pctile
Total Assets
Current: $53.0M · Tier avg: $217.5M
7
7th pctile
Total Loans
Current: $20.9M · Tier avg: $139.2M
Top Weaknesses
7
7th pctile
Total Loans
Current: $20.9M · Tier avg: $139.2M
8
8th pctile
Total Assets
Current: $53.0M · Tier avg: $217.5M
9
9th pctile
Loan-to-Deposit Ratio
Current: 44.44% · Tier avg: 74.53%
9
9th pctile
Total Deposits
Current: $46.9M · Tier avg: $183.7M
17
17th pctile
Efficiency Ratio
Current: 82.57% · Tier avg: 67.73%
21
21th pctile
Return on Assets
Current: 0.57% · Tier avg: 1.08%
31
31th pctile
Delinquency Rate
Current: 0.91% · Tier avg: 0.64%
40
40th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.45%
41
41th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
62
62th pctile
Net Interest Margin
Current: 4.08% · Tier avg: 3.85%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 34.88% · Tier avg: 22.39%
91
91th pctile
Tier 1 Capital Ratio
Current: 23.51% · Tier avg: 8.85%