BlastPoint's Banking Scorecard
Mi Bank
Micro
Specialty: Commercial
MI
FDIC cert 59138
Designations: ✓ Community bank
Bloomfield Township, MI
2498
banks in Micro tier nationally
41 in MI
View Micro leaderboard (MI) →
Mi Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.72% below tier
- - Non-Interest Income / Assets 0.49% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$292.6M
+6.1% YoY
+19.8% QoQ
|
+$75.1M |
$217.5M
+2.3% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
71% |
| Total Loans ? |
$201.0M
-1.2% YoY
-0.8% QoQ
|
+$61.8M |
$139.2M
+2.8% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
74% |
| Total Deposits ? |
$269.1M
+6.9% YoY
+22.1% QoQ
|
+$85.5M |
$183.7M
+1.8% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
75% |
| Return on Assets ? |
-0.64%
-220.0% YoY
-97.0% QoQ
|
-1.72% |
1.08%
+14.7% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
Bottom 3% in tier |
| Net Interest Margin ? |
3.09%
+0.4% YoY
-1.9% QoQ
|
-0.76% |
3.85%
+6.6% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
19% |
| Efficiency Ratio ? |
70.00%
-4.7% YoY
+0.5% QoQ
|
+2.28% |
67.73%
-4.8% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
40% |
| Delinquency Rate ? |
0.21%
+79.7% YoY
-91.4% QoQ
|
-0.43% |
0.64%
+24.4% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
74.68%
-7.6% YoY
-18.8% QoQ
|
+0.15% |
74.53%
+0.5% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
47% |
| Non-Interest-Bearing Deposit Share ? |
11.66%
-3.6% YoY
-21.9% QoQ
|
-10.74% |
22.39%
-1.3% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 15% in tier |
| Nonperforming Asset Ratio ? |
0.15%
+67.3% YoY
-92.9% QoQ
|
-0.31% |
0.45%
+25.1% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
62% |
| Tier 1 Capital Ratio ? |
9.72%
-1.8% YoY
+2.1% QoQ
|
+0.87% |
8.85%
-3.4% YoY
|
9.37%
-0.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.07%
-55.8% YoY
+10.4% QoQ
|
-0.49% |
0.56%
+0.3% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 5% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Return on Assets
metric
Bottom 3%
in Micro
Why this stands out
Current:
-0.64%
(Tier avg: 1.08%, National avg: 1.12%)
Non-Interest Income / Assets
metric
Bottom 5%
in Micro
Why this stands out
Current:
0.07%
(Tier avg: 0.56%, 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
75
75th pctile
Total Deposits
Current: $269.1M · Tier avg: $183.7M
74
74th pctile
Total Loans
Current: $201.0M · Tier avg: $139.2M
71
71th pctile
Total Assets
Current: $292.6M · Tier avg: $217.5M
62
62th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.45%
61
61th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 9.72% · Tier avg: 8.85%
47
47th pctile
Loan-to-Deposit Ratio
Current: 74.68% · Tier avg: 74.53%
40
40th pctile
Efficiency Ratio
Current: 70.00% · Tier avg: 67.73%
19
19th pctile
Net Interest Margin
Current: 3.09% · Tier avg: 3.85%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.66% · Tier avg: 22.39%
5
5th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.56%
3
3th pctile
Return on Assets
Current: -0.64% · Tier avg: 1.08%
Top Weaknesses
3
3th pctile
Return on Assets
Current: -0.64% · Tier avg: 1.08%
5
5th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.56%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.66% · Tier avg: 22.39%
19
19th pctile
Net Interest Margin
Current: 3.09% · Tier avg: 3.85%
40
40th pctile
Efficiency Ratio
Current: 70.00% · Tier avg: 67.73%
47
47th pctile
Loan-to-Deposit Ratio
Current: 74.68% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 9.72% · Tier avg: 8.85%
61
61th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.64%
62
62th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.45%
71
71th pctile
Total Assets
Current: $292.6M · Tier avg: $217.5M
74
74th pctile
Total Loans
Current: $201.0M · Tier avg: $139.2M
75
75th pctile
Total Deposits
Current: $269.1M · Tier avg: $183.7M