BlastPoint's Banking Scorecard
Isabella Bank
Designations: ✓ Community bank
Mount Pleasant, MI
32 branches across MI
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 18 in MI.
- Deposits -1.7% year over year ($1.8B on the books).
- Delinquency rate 0.49%.
- Return on assets 1.10%.
- Efficiency ratio 64.17% vs a 59.73% peer average.
- Loan-to-deposit ratio 85.38% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Isabella Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.37% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 4.6% in tier
- - ROA 0.29% below tier average
- - Net Interest Margin 0.40% below tier average
- - Efficiency Ratio 4.44% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.2B
+2.9% YoY
-1.5% QoQ
|
-$623.2M |
$2.8B
-0.6% YoY
|
$1.0B
+6.5% YoY
|
$6.3B
+7.7% YoY
|
54% |
| Total Loans ? |
$1.6B
+13.8% YoY
+2.0% QoQ
|
-$387.6M |
$2.0B
-0.3% YoY
|
$767.2M
+9.2% YoY
|
$3.2B
+9.4% YoY
|
56% |
| Total Deposits ? |
$1.8B
-1.7% YoY
-2.4% QoQ
|
-$473.4M |
$2.3B
-0.5% YoY
|
$806.0M
+5.9% YoY
|
$4.9B
+7.3% YoY
|
55% |
| Return on Assets ? |
1.10%
+9.4% YoY
+4.0% QoQ
|
-0.29% |
1.39%
+17.0% YoY
|
1.18%
+20.1% YoY
|
1.30%
+12.1% YoY
|
37% |
| Net Interest Margin ? |
3.47%
+11.2% YoY
+3.9% QoQ
|
-0.40% |
3.87%
+6.2% YoY
|
4.06%
+4.7% YoY
|
3.95%
+4.9% YoY
|
35% |
| Efficiency Ratio ? |
64.17%
-7.5% YoY
-1.6% QoQ
|
+4.44% |
59.73%
-12.6% YoY
|
65.90%
-5.4% YoY
|
70.05%
+2.5% YoY
|
34% |
| Delinquency Rate ? |
0.49%
+472.9% YoY
+72.9% QoQ
|
-0.37% |
0.87%
+11.7% YoY
|
0.85%
+32.2% YoY
|
0.98%
+16.3% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
85.38%
+15.8% YoY
+4.5% QoQ
|
+0.34% |
85.04%
-0.1% YoY
|
80.02%
+3.0% YoY
|
79.03%
+2.3% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
22.45%
-14.7% YoY
+3.1% QoQ
|
+1.18% |
21.27%
-1.5% YoY
|
25.55%
-0.4% YoY
|
21.98%
-0.6% YoY
|
62% |
| Nonperforming Asset Ratio ? |
0.36%
+312.9% YoY
+79.1% QoQ
|
-0.32% |
0.67%
+11.7% YoY
|
0.65%
+27.6% YoY
|
0.69%
+15.8% YoY
|
56% |
| Tier 1 Capital Ratio ? |
11.49%
-5.7% YoY
+1.2% QoQ
|
-3.35% |
14.84%
-0.4% YoY
|
20.80%
-0.9% YoY
|
17.09%
+0.8% YoY
|
25% |
| Non-Interest Income / Assets ? |
0.43%
+16.5% YoY
+103.9% QoQ
|
-0.10% |
0.53%
+2.5% YoY
|
0.38%
+3.3% YoY
|
0.66%
+5.2% YoY
|
74% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
22.5%
-3.9pp YoY +0.7pp QoQ |
+1.1pp | 21.4% | 25.9% | 22.2% | 62% |
| Brokered Deposits | n/a | n/a | 9.5% | 12.3% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.2%
-0.7pp YoY 0.0pp QoQ |
-2.8pp | 14.0% | 12.8% | 12.5% | 50% |
| CRE |
38.5%
-2.0pp YoY -0.3pp QoQ |
-11.5pp | 50.0% | 45.9% | 41.4% | 22% |
| 1-4 Family |
33.9%
-0.5pp YoY +0.5pp QoQ |
+7.5pp | 26.4% | 33.6% | 31.3% | 73% |
| Consumer |
3.9%
-1.6pp YoY -0.3pp QoQ |
-0.8pp | 4.7% | 4.6% | 5.0% | 78% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.5%
-0.7pp YoY +0.1pp QoQ |
-4.1pp | 15.6% | 26.9% | 19.7% | 16% |
| Leverage Ratio |
8.9%
+0.1pp YoY +0.3pp QoQ |
-2.4pp | 11.3% | 12.3% | 12.6% | 10% |
| Total Capital Ratio |
12.4%
-0.7pp YoY +0.1pp QoQ |
-4.3pp | 16.7% | 27.9% | 20.8% | 14% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
373
+8 (+2.2%) YoY +9 (+2.5%) QoQ |
+59 | 313 | 134 | 482 | 75% |
| Assets per Employee ($) |
$5.8M
+0.7% YoY -3.9% QoQ |
-$4.7M | $10.5M | $6.8M | $8.8M | 10% |
| Branch Count |
31
0 YoY 0 QoQ |
+11 | 20 | 9 | 18 | 83% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.5%
+0.4pp YoY +0.2pp QoQ |
-0.3pp | 0.8% | 0.8% | 1.0% | 48% |
| Allowance Coverage |
1.86x
-82.9% YoY -41.4% QoQ |
-16.85x | 18.71x | 6.79x | 20.23x | 46% |
| Net Charge-off Rate (YTD) |
0.1%
+0.3pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 63% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.0%
+0.3pp YoY +0.3pp QoQ |
+0.4pp | 12.6% | 11.7% | 11.6% | 57% |
| Cost of Funds (YTD) |
1.6%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 1.9% | 1.5% | 1.7% | 27% |
| Net Income ($, YTD) |
$11.9M
+15.3% YoY — QoQ |
-$7.3M | $19.2M | $7.3M | $40.4M | 48% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.