BlastPoint's Banking Scorecard
First National Bank of Michigan
Community
Specialty: Commercial
MI
FDIC cert 58259
Kalamazoo, MI
1484
banks in Community tier nationally
28 in MI
View Community leaderboard (MI) →
First National Bank of Michigan faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 19% in Community
- - Flatlined Growth: Bottom 37% in Community
- - Capital Constraint: Bottom 76% in Community
- - Non-Interest Income / Assets 0.59% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$986.0M
+1.6% YoY
+1.5% QoQ
|
-$405.4M |
$1.4B
+2.0% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
49% |
| Total Loans ? |
$802.1M
+9.0% YoY
+4.0% QoQ
|
-$173.4M |
$975.5M
+2.4% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
57% |
| Total Deposits ? |
$772.3M
-3.8% YoY
-0.4% QoQ
|
-$392.3M |
$1.2B
+1.7% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
44% |
| Return on Assets ? |
0.77%
+34.9% YoY
+1.8% QoQ
|
-0.40% |
1.16%
+17.2% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
22% |
| Net Interest Margin ? |
2.94%
+24.7% YoY
+2.9% QoQ
|
-0.72% |
3.66%
+9.1% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
15% |
| Efficiency Ratio ? |
64.62%
-12.7% YoY
-0.7% QoQ
|
+1.99% |
62.63%
-5.3% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
42% |
| Delinquency Rate ? |
0.83%
+626.2% YoY
+25.8% QoQ
|
+0.21% |
0.63%
+18.3% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
103.87%
+13.3% YoY
+4.4% QoQ
|
+20.80% |
83.06%
+0.3% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.42%
-4.3% YoY
+1.4% QoQ
|
-0.62% |
21.05%
-0.9% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
52% |
| Nonperforming Asset Ratio ? |
0.68%
+679.2% YoY
+28.9% QoQ
|
+0.18% |
0.50%
+20.3% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
30% |
| Tier 1 Capital Ratio ? |
10.83%
+1.2% YoY
-1.1% QoQ
|
+0.59% |
10.24%
-0.6% YoY
|
9.37%
-0.1% YoY
|
9.75%
-1.9% YoY
|
35% |
| Non-Interest Income / Assets ? |
0.15%
-16.6% YoY
+32.9% QoQ
|
-0.59% |
0.74%
-1.3% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 7% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Deposit Outflow
decline
#47 of 248 · Bottom 19% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Flatlined Growth
risk
#92 of 245 · Bottom 37% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.77%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank declining
Capital Constraint
risk
#36 of 47 · Bottom 76% in Community
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
103.87%
(Tier: 83.06%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
10.83%
(Tier: 10.24%, National: 9.75%)
47 of 47 Community banks match
·
57 nationally
→ Stable
-1 banks QoQ
Non-Interest Income / Assets
metric
Bottom 7%
in Community
Why this stands out
Current:
0.15%
(Tier avg: 0.74%, National avg: 0.65%)
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
57
57th pctile
Total Loans
Current: $802.1M · Tier avg: $975.5M
52
52th pctile
Non-Interest-Bearing Deposit Share
Current: 20.42% · Tier avg: 21.05%
49
49th pctile
Total Assets
Current: $986.0M · Tier avg: $1.4B
44
44th pctile
Total Deposits
Current: $772.3M · Tier avg: $1.2B
42
42th pctile
Efficiency Ratio
Current: 64.62% · Tier avg: 62.63%
35
35th pctile
Tier 1 Capital Ratio
Current: 10.83% · Tier avg: 10.24%
31
31th pctile
Delinquency Rate
Current: 0.83% · Tier avg: 0.63%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.68% · Tier avg: 0.50%
22
22th pctile
Return on Assets
Current: 0.77% · Tier avg: 1.16%
15
15th pctile
Net Interest Margin
Current: 2.94% · Tier avg: 3.66%
8
8th pctile
Loan-to-Deposit Ratio
Current: 103.87% · Tier avg: 83.06%
7
7th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.74%
Top Weaknesses
7
7th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.74%
8
8th pctile
Loan-to-Deposit Ratio
Current: 103.87% · Tier avg: 83.06%
15
15th pctile
Net Interest Margin
Current: 2.94% · Tier avg: 3.66%
22
22th pctile
Return on Assets
Current: 0.77% · Tier avg: 1.16%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.68% · Tier avg: 0.50%
31
31th pctile
Delinquency Rate
Current: 0.83% · Tier avg: 0.63%
35
35th pctile
Tier 1 Capital Ratio
Current: 10.83% · Tier avg: 10.24%
42
42th pctile
Efficiency Ratio
Current: 64.62% · Tier avg: 62.63%
44
44th pctile
Total Deposits
Current: $772.3M · Tier avg: $1.2B
49
49th pctile
Total Assets
Current: $986.0M · Tier avg: $1.4B
52
52th pctile
Non-Interest-Bearing Deposit Share
Current: 20.42% · Tier avg: 21.05%
57
57th pctile
Total Loans
Current: $802.1M · Tier avg: $975.5M