BlastPoint's Banking Scorecard
Kalamazoo County State Bank
Micro
Specialty: Other
MI
FDIC cert 5892
Designations: ✓ Community bank
Schoolcraft, MI
2498
banks in Micro tier nationally
41 in MI
View Micro leaderboard (MI) →
Kalamazoo County State Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 14.90% 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 ? |
$119.9M
+0.0% YoY
-3.9% QoQ
|
-$97.6M |
$217.5M
+2.3% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
29% |
| Total Loans ? |
$55.6M
-0.7% YoY
+1.5% QoQ
|
-$83.6M |
$139.2M
+2.8% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
23% |
| Total Deposits ? |
$106.7M
-2.0% YoY
-4.9% QoQ
|
-$77.0M |
$183.7M
+1.8% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
31% |
| Return on Assets ? |
0.51%
+9.1% YoY
+5.0% QoQ
|
-0.58% |
1.08%
+14.7% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
19% |
| Net Interest Margin ? |
3.96%
+0.5% YoY
+1.3% QoQ
|
+0.11% |
3.85%
+6.6% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
56% |
| Efficiency Ratio ? |
82.26%
+0.6% YoY
-1.3% QoQ
|
+14.54% |
67.73%
-4.8% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
17% |
| Delinquency Rate ? |
0.25%
-5.9% YoY
-15.8% QoQ
|
-0.39% |
0.64%
+24.4% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
58% |
| Loan-to-Deposit Ratio ? |
52.12%
+1.3% YoY
+6.7% QoQ
|
-22.41% |
74.53%
+0.5% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 15% in tier |
| Non-Interest-Bearing Deposit Share ? |
37.30%
+1.0% YoY
+8.9% QoQ
|
+14.90% |
22.39%
-1.3% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
Top 9% in tier |
| Nonperforming Asset Ratio ? |
0.12%
-6.6% YoY
-11.0% QoQ
|
-0.33% |
0.45%
+25.1% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
65% |
| Tier 1 Capital Ratio ? |
20.48%
+9.8% YoY
-1.6% QoQ
|
+11.63% |
8.85%
-3.4% YoY
|
9.37%
-0.1% YoY
|
9.75%
-1.9% YoY
|
Top 13% in tier |
| Non-Interest Income / Assets ? |
0.30%
-21.5% YoY
+40.7% QoQ
|
-0.27% |
0.56%
+0.3% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
40% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 9%
in Micro
Why this stands out
Current:
37.30%
(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
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 37.30% · Tier avg: 22.39%
87
87th pctile
Tier 1 Capital Ratio
Current: 20.48% · Tier avg: 8.85%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.45%
58
58th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.64%
56
56th pctile
Net Interest Margin
Current: 3.96% · Tier avg: 3.85%
40
40th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
31
31th pctile
Total Deposits
Current: $106.7M · Tier avg: $183.7M
29
29th pctile
Total Assets
Current: $119.9M · Tier avg: $217.5M
23
23th pctile
Total Loans
Current: $55.6M · Tier avg: $139.2M
19
19th pctile
Return on Assets
Current: 0.51% · Tier avg: 1.08%
17
17th pctile
Efficiency Ratio
Current: 82.26% · Tier avg: 67.73%
15
15th pctile
Loan-to-Deposit Ratio
Current: 52.12% · Tier avg: 74.53%
Top Weaknesses
15
15th pctile
Loan-to-Deposit Ratio
Current: 52.12% · Tier avg: 74.53%
17
17th pctile
Efficiency Ratio
Current: 82.26% · Tier avg: 67.73%
19
19th pctile
Return on Assets
Current: 0.51% · Tier avg: 1.08%
23
23th pctile
Total Loans
Current: $55.6M · Tier avg: $139.2M
29
29th pctile
Total Assets
Current: $119.9M · Tier avg: $217.5M
31
31th pctile
Total Deposits
Current: $106.7M · Tier avg: $183.7M
40
40th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
56
56th pctile
Net Interest Margin
Current: 3.96% · Tier avg: 3.85%
58
58th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.64%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.45%
87
87th pctile
Tier 1 Capital Ratio
Current: 20.48% · Tier avg: 8.85%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 37.30% · Tier avg: 22.39%