BlastPoint's Banking Scorecard
Bank Michigan
Brooklyn, MI
3 branches across MI
Bank Michigan has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.72% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Ratio 23.31% above tier average
- - ROA 0.82% below tier average
- - Delinquency Rate 0.38% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$159.7M
+20.8% YoY
+4.0% QoQ
|
-$226.4M |
$386.1M
+0.5% YoY
|
$993.6M
+8.4% YoY
|
$6.2B
+9.1% YoY
|
17% |
| Total Loans ? |
$121.8M
+13.7% YoY
+3.9% QoQ
|
-$133.9M |
$255.7M
+1.1% YoY
|
$752.3M
+12.4% YoY
|
$3.2B
+10.8% YoY
|
26% |
| Total Deposits ? |
$133.3M
+17.6% YoY
+5.2% QoQ
|
-$194.6M |
$328.0M
+0.1% YoY
|
$797.0M
+7.4% YoY
|
$4.8B
+8.2% YoY
|
16% |
| Return on Assets ? |
0.45%
-91.4% QoQ
|
-0.82% |
1.27%
+12.9% YoY
|
1.15%
+25.2% YoY
|
1.23%
+13.4% YoY
|
Bottom 12.1% in tier |
| Net Interest Margin ? |
4.65%
-1.1% YoY
-4.2% QoQ
|
+0.72% |
3.93%
+6.0% YoY
|
3.99%
+5.8% YoY
|
3.89%
+5.7% YoY
|
Top 14.4% in tier |
| Efficiency Ratio ? |
88.59%
-7.7% YoY
+59.2% QoQ
|
+23.31% |
65.29%
-4.5% YoY
|
66.95%
-6.2% YoY
|
66.95%
-4.1% YoY
|
Bottom 7.6% in tier |
| Delinquency Rate ? |
1.27%
-64.0% YoY
-16.8% QoQ
|
+0.38% |
0.89%
+18.8% YoY
|
0.77%
+21.7% YoY
|
0.95%
+18.8% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
91.37%
-3.3% YoY
-1.2% QoQ
|
+14.73% |
76.64%
+0.8% YoY
|
78.66%
+4.9% YoY
|
76.70%
+0.9% YoY
|
22% |
| Non-Interest-Bearing Deposit Share ? |
23.03%
-8.3% YoY
-14.3% QoQ
|
+1.01% |
22.02%
-1.0% YoY
|
24.69%
-2.1% YoY
|
22.01%
-1.2% YoY
|
59% |
| Nonperforming Asset Ratio ? |
0.97%
-66.1% YoY
-16.9% QoQ
|
+0.33% |
0.64%
+19.7% YoY
|
0.58%
+27.6% YoY
|
0.67%
+19.3% YoY
|
20% |
| Tier 1 Capital Ratio ? |
14.54%
+33.3% YoY
-7.5% QoQ
|
-1.29% |
15.83%
+1.5% YoY
|
20.91%
+0.5% YoY
|
17.06%
+0.8% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.29%
-17.7% YoY
-94.1% QoQ
|
+0.01% |
0.28%
+9.3% YoY
|
0.19%
+5.8% YoY
|
0.32%
+4.1% YoY
|
Top 6.8% in tier |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.