BlastPoint's Banking Scorecard
State Savings Bank
Micro
Specialty: Commercial
MI
FDIC cert 8162
Designations: ✓ Community bank
Frankfort, MI
2498
banks in Micro tier nationally
41 in MI
View Micro leaderboard (MI) →
State Savings Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Ratio 21.00% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$413.2M
+9.6% YoY
-6.9% QoQ
|
+$195.7M |
$217.5M
+2.3% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
Top 10% in tier |
| Total Loans ? |
$308.2M
+12.3% YoY
+5.3% QoQ
|
+$169.1M |
$139.2M
+2.8% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
Top 7% in tier |
| Total Deposits ? |
$374.2M
+10.3% YoY
-7.7% QoQ
|
+$190.5M |
$183.7M
+1.8% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
Top 6% in tier |
| Return on Assets ? |
0.38%
-19.0% YoY
+25.8% QoQ
|
-0.70% |
1.08%
+14.7% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
Bottom 15% in tier |
| Net Interest Margin ? |
4.70%
-0.4% YoY
+2.6% QoQ
|
+0.85% |
3.85%
+6.6% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
85% |
| Efficiency Ratio ? |
88.72%
+1.9% YoY
-2.9% QoQ
|
+21.00% |
67.73%
-4.8% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
Bottom 10% in tier |
| Delinquency Rate ? |
0.63%
+191.5% YoY
+34.0% QoQ
|
-0.01% |
0.64%
+24.4% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
82.38%
+1.8% YoY
+14.1% QoQ
|
+7.85% |
74.53%
+0.5% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
31.89%
-2.4% YoY
+8.3% QoQ
|
+9.50% |
22.39%
-1.3% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
83% |
| Nonperforming Asset Ratio ? |
0.47%
+198.8% YoY
+51.5% QoQ
|
+0.02% |
0.45%
+25.1% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
39% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.37%
-0.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.49%
-7.4% YoY
+42.6% QoQ
|
-0.07% |
0.56%
+0.3% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
69% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Efficiency Ratio
metric
Bottom 10%
in Micro
Why this stands out
Current:
88.72%
(Tier avg: 67.73%, National avg: 65.09%)
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
94
94th pctile
Total Deposits
Current: $374.2M · Tier avg: $183.7M
93
93th pctile
Total Loans
Current: $308.2M · Tier avg: $139.2M
90
90th pctile
Total Assets
Current: $413.2M · Tier avg: $217.5M
85
85th pctile
Net Interest Margin
Current: 4.70% · Tier avg: 3.85%
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 31.89% · Tier avg: 22.39%
69
69th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
40
40th pctile
Delinquency Rate
Current: 0.63% · Tier avg: 0.64%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.47% · Tier avg: 0.45%
38
38th pctile
Loan-to-Deposit Ratio
Current: 82.38% · Tier avg: 74.53%
15
15th pctile
Return on Assets
Current: 0.38% · Tier avg: 1.08%
10
10th pctile
Efficiency Ratio
Current: 88.72% · Tier avg: 67.73%
Top Weaknesses
10
10th pctile
Efficiency Ratio
Current: 88.72% · Tier avg: 67.73%
15
15th pctile
Return on Assets
Current: 0.38% · Tier avg: 1.08%
38
38th pctile
Loan-to-Deposit Ratio
Current: 82.38% · Tier avg: 74.53%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.47% · Tier avg: 0.45%
40
40th pctile
Delinquency Rate
Current: 0.63% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
69
69th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.56%
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 31.89% · Tier avg: 22.39%
85
85th pctile
Net Interest Margin
Current: 4.70% · Tier avg: 3.85%
90
90th pctile
Total Assets
Current: $413.2M · Tier avg: $217.5M
93
93th pctile
Total Loans
Current: $308.2M · Tier avg: $139.2M
94
94th pctile
Total Deposits
Current: $374.2M · Tier avg: $183.7M