BlastPoint's Banking Scorecard
1st State Bank
Micro
Specialty: Commercial
MI
FDIC cert 57626
Designations: ✓ Community bank
Saginaw, MI
2498
banks in Micro tier nationally
41 in MI
View Micro leaderboard (MI) →
1st State Bank shows strong momentum with 1 strength and 6.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 19.03% above tier
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 ? |
$480.5M
+6.3% YoY
+4.0% QoQ
|
+$263.0M |
$217.5M
+2.3% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
Top 2% in tier |
| Total Loans ? |
$313.2M
+12.4% YoY
+0.6% QoQ
|
+$174.0M |
$139.2M
+2.8% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
Top 6% in tier |
| Total Deposits ? |
$420.0M
+5.5% YoY
+5.3% QoQ
|
+$236.4M |
$183.7M
+1.8% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
Top 2% in tier |
| Return on Assets ? |
1.40%
+28.8% YoY
+4.8% QoQ
|
+0.31% |
1.08%
+14.7% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
70% |
| Net Interest Margin ? |
4.39%
+9.9% YoY
+0.9% QoQ
|
+0.53% |
3.85%
+6.6% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
75% |
| Efficiency Ratio ? |
58.91%
-10.5% YoY
-1.9% QoQ
|
-8.82% |
67.73%
-4.8% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
70% |
| Delinquency Rate ? |
0.67%
-23.4% YoY
+9.8% QoQ
|
+0.03% |
0.64%
+24.4% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
39% |
| Loan-to-Deposit Ratio ? |
74.56%
+6.5% YoY
-4.5% QoQ
|
+0.04% |
74.53%
+0.5% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
41.42%
-7.7% YoY
-1.3% QoQ
|
+19.03% |
22.39%
-1.3% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
Top 6% in tier |
| Nonperforming Asset Ratio ? |
0.44%
-19.0% YoY
+6.1% QoQ
|
-0.01% |
0.45%
+25.1% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
41% |
| Tier 1 Capital Ratio ? |
14.68%
+2.7% YoY
+0.3% QoQ
|
+5.82% |
8.85%
-3.4% YoY
|
9.37%
-0.1% YoY
|
9.75%
-1.9% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.36%
-7.9% YoY
+29.8% QoQ
|
-0.21% |
0.56%
+0.3% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
50% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 6%
in Micro
Why this stands out
Current:
41.42%
(Tier avg: 22.39%, National avg: 21.79%)
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
98
98th pctile
Total Deposits
Current: $420.0M · Tier avg: $183.7M
98
98th pctile
Total Assets
Current: $480.5M · Tier avg: $217.5M
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 41.42% · Tier avg: 22.39%
94
94th pctile
Total Loans
Current: $313.2M · Tier avg: $139.2M
75
75th pctile
Net Interest Margin
Current: 4.39% · Tier avg: 3.85%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.68% · Tier avg: 8.85%
70
70th pctile
Efficiency Ratio
Current: 58.91% · Tier avg: 67.73%
70
70th pctile
Return on Assets
Current: 1.40% · Tier avg: 1.08%
53
53th pctile
Loan-to-Deposit Ratio
Current: 74.56% · Tier avg: 74.53%
50
50th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.56%
41
41th pctile
Nonperforming Asset Ratio
Current: 0.44% · Tier avg: 0.45%
39
39th pctile
Delinquency Rate
Current: 0.67% · Tier avg: 0.64%
Top Weaknesses
39
39th pctile
Delinquency Rate
Current: 0.67% · Tier avg: 0.64%
41
41th pctile
Nonperforming Asset Ratio
Current: 0.44% · Tier avg: 0.45%
50
50th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.56%
53
53th pctile
Loan-to-Deposit Ratio
Current: 74.56% · Tier avg: 74.53%
70
70th pctile
Return on Assets
Current: 1.40% · Tier avg: 1.08%
70
70th pctile
Efficiency Ratio
Current: 58.91% · Tier avg: 67.73%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.68% · Tier avg: 8.85%
75
75th pctile
Net Interest Margin
Current: 4.39% · Tier avg: 3.85%
94
94th pctile
Total Loans
Current: $313.2M · Tier avg: $139.2M
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 41.42% · Tier avg: 22.39%
98
98th pctile
Total Assets
Current: $480.5M · Tier avg: $217.5M
98
98th pctile
Total Deposits
Current: $420.0M · Tier avg: $183.7M