BlastPoint's Banking Scorecard
Northstar Bank
Community
Specialty: Commercial
MI
FDIC cert 57097
Bad Axe, MI
1484
banks in Community tier nationally
28 in MI
View Community leaderboard (MI) →
Northstar Bank 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 ? |
$1.1B
+11.7% YoY
+2.4% QoQ
|
-$248.0M |
$1.4B
+2.0% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
58% |
| Total Loans ? |
$952.5M
+11.5% YoY
+0.9% QoQ
|
-$22.9M |
$975.5M
+2.4% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
66% |
| Total Deposits ? |
$943.6M
+4.0% YoY
+0.7% QoQ
|
-$221.0M |
$1.2B
+1.7% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
56% |
| Return on Assets ? |
1.31%
+2.6% YoY
+6.2% QoQ
|
+0.15% |
1.16%
+17.2% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
64% |
| Net Interest Margin ? |
4.11%
+3.6% YoY
-0.8% QoQ
|
+0.44% |
3.66%
+9.1% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
74% |
| Efficiency Ratio ? |
57.89%
-3.0% YoY
-0.6% QoQ
|
-4.74% |
62.63%
-5.3% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
64% |
| Delinquency Rate ? |
0.96%
-17.9% YoY
-17.4% QoQ
|
+0.34% |
0.63%
+18.3% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
100.94%
+7.2% YoY
+0.2% QoQ
|
+17.88% |
83.06%
+0.3% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.93%
-11.6% YoY
-0.8% QoQ
|
+0.89% |
21.05%
-0.9% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
59% |
| Nonperforming Asset Ratio ? |
1.36%
+0.4% YoY
-3.2% QoQ
|
+0.86% |
0.50%
+20.3% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
Bottom 12% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
9.37%
-0.1% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.82%
+29.6% YoY
+34.6% QoQ
|
+0.08% |
0.74%
-1.3% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
79% |
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
79
79th pctile
Non-Interest Income / Assets
Current: 0.82% · Tier avg: 0.74%
74
74th pctile
Net Interest Margin
Current: 4.11% · Tier avg: 3.66%
66
66th pctile
Total Loans
Current: $952.5M · Tier avg: $975.5M
64
64th pctile
Efficiency Ratio
Current: 57.89% · Tier avg: 62.63%
64
64th pctile
Return on Assets
Current: 1.31% · Tier avg: 1.16%
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 21.93% · Tier avg: 21.05%
58
58th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
56
56th pctile
Total Deposits
Current: $943.6M · Tier avg: $1.2B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
26
26th pctile
Delinquency Rate
Current: 0.96% · Tier avg: 0.63%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.36% · Tier avg: 0.50%
11
11th pctile
Loan-to-Deposit Ratio
Current: 100.94% · Tier avg: 83.06%
Top Weaknesses
11
11th pctile
Loan-to-Deposit Ratio
Current: 100.94% · Tier avg: 83.06%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.36% · Tier avg: 0.50%
26
26th pctile
Delinquency Rate
Current: 0.96% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
56
56th pctile
Total Deposits
Current: $943.6M · Tier avg: $1.2B
58
58th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 21.93% · Tier avg: 21.05%
64
64th pctile
Return on Assets
Current: 1.31% · Tier avg: 1.16%
64
64th pctile
Efficiency Ratio
Current: 57.89% · Tier avg: 62.63%
66
66th pctile
Total Loans
Current: $952.5M · Tier avg: $975.5M
74
74th pctile
Net Interest Margin
Current: 4.11% · Tier avg: 3.66%
79
79th pctile
Non-Interest Income / Assets
Current: 0.82% · Tier avg: 0.74%