BlastPoint's Banking Scorecard

Bank Michigan

$100M-$1B Specialty: Commercial MI FDIC cert 1008

Brooklyn, MI

3 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 47 in MI.
Deposits +28.9% year over year ($144.9M on the books).
Delinquency rate 1.04%.
Return on assets 0.67%.
Efficiency ratio 83.61% vs a 64.48% peer average.
Loan-to-deposit ratio 97.75% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 47 in MI

View $100M-$1B leaderboard (MI) →

Bank Michigan has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 49.5% in tier
+ Net Interest Margin 0.57% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 47.6% in tier
- ROA 0.65% below tier average
- Delinquency Rate 0.12% above tier average

Get updates when Bank Michigan releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Total Assets ?	$176.0M +33.5% YoY +10.2% QoQ	-$210.6M	$386.6M +1.2% YoY	$1.0B +6.5% YoY	$6.3B +7.7% YoY	21%
Total Loans ?	$141.6M +30.6% YoY +16.3% QoQ	-$116.7M	$258.3M +1.7% YoY	$767.2M +9.2% YoY	$3.2B +9.4% YoY	32%
Total Deposits ?	$144.9M +28.9% YoY +8.7% QoQ	-$181.8M	$326.7M +0.7% YoY	$806.0M +5.9% YoY	$4.9B +7.3% YoY	20%
Return on Assets ?	0.67% +29.9% YoY +49.2% QoQ	-0.65%	1.32% +10.8% YoY	1.18% +20.1% YoY	1.30% +12.1% YoY	18%
Net Interest Margin ?	4.56% -7.1% YoY -1.8% QoQ	+0.57%	3.99% +5.0% YoY	4.06% +4.7% YoY	3.95% +4.9% YoY	82%
Efficiency Ratio ?	83.61% -13.6% YoY -5.6% QoQ	+19.13%	64.48% -3.2% YoY	65.90% -5.4% YoY	70.05% +2.5% YoY	Bottom 10.4% in tier
Delinquency Rate ?	1.04% -82.3% YoY -18.1% QoQ	+0.12%	0.92% +15.7% YoY	0.85% +32.2% YoY	0.98% +16.3% YoY	27%
Loan-to-Deposit Ratio ?	97.75% +1.3% YoY +7.0% QoQ	+19.80%	77.95% +1.0% YoY	80.02% +3.0% YoY	79.03% +2.3% YoY	Bottom 12.8% in tier
Non-Interest-Bearing Deposit Share ?	22.73% -16.5% YoY -1.3% QoQ	+0.70%	22.03% -0.6% YoY	25.55% -0.4% YoY	21.98% -0.6% YoY	58%
Nonperforming Asset Ratio ?	1.16% -76.1% YoY +19.5% QoQ	+0.49%	0.67% +16.4% YoY	0.65% +27.6% YoY	0.69% +15.8% YoY	17%
Tier 1 Capital Ratio ?	12.69% +16.9% YoY -12.7% QoQ	-3.22%	15.91% +1.4% YoY	20.80% -0.9% YoY	17.09% +0.8% YoY	44%
Non-Interest Income / Assets ?	0.66% +10.1% YoY +126.3% QoQ	+0.10%	0.57% +7.6% YoY	0.38% +3.3% YoY	0.66% +5.2% YoY	Top 6.1% in tier

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	22.7% -4.5pp YoY -0.3pp QoQ	+0.6pp	22.1%	25.9%	22.2%	58%
Brokered Deposits	8.1% -2.4pp YoY -1.7pp QoQ	+0.2pp	7.9%	12.3%	8.5%	69%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
C&I	17.3% -5.5pp YoY 0.0pp QoQ	+5.7pp	11.6%	12.8%	12.5%	83%
CRE	63.7% -5.8pp YoY -12.8pp QoQ	+24.1pp	39.5%	45.9%	41.4%	88%
1-4 Family	5.6% -2.8pp YoY -1.3pp QoQ	-27.0pp	32.6%	33.6%	31.3%	6%
Consumer	0.5% -0.2pp YoY -0.1pp QoQ	-3.6pp	4.1%	4.6%	5.0%	17%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
CET1 Ratio	12.7% +1.8pp YoY -1.8pp QoQ	-6.1pp	18.8%	26.9%	19.7%	24%
Leverage Ratio	11.3% +2.1pp YoY -0.9pp QoQ	-0.9pp	12.2%	12.3%	12.6%	55%
Total Capital Ratio	13.9% +1.8pp YoY -1.9pp QoQ	-6.1pp	19.9%	27.9%	20.8%	25%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Full-Time Employees	42 +3 (+7.7%) YoY 0 QoQ	-17	58	134	482	44%
Assets per Employee ($)	$4.2M +24.0% YoY +10.2% QoQ	-$3.3M	$7.5M	$6.8M	$8.8M	6%
Branch Count	3 0 YoY 0 QoQ	-2	4	9	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp QoQ	-0.3pp	0.3%	0.2%	0.4%	10%
Nonaccrual	1.0% -4.8pp YoY -0.2pp QoQ	+0.1pp	0.9%	0.8%	1.0%	72%
Allowance Coverage	1.13x +322.3% YoY +11.6% QoQ	-23.03x	24.15x	6.79x	20.23x	30%
Net Charge-off Rate (YTD)	-0.4% -1.5pp YoY +0.1pp QoQ	-0.5pp	0.1%	0.1%	0.2%	1%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
ROE	5.7% -0.6pp YoY +2.0pp QoQ	-6.5pp	12.2%	11.7%	11.6%	16%
Cost of Funds (YTD)	1.7% -0.1pp YoY +0.2pp QoQ	0.0pp	1.7%	1.5%	1.7%	49%
Net Income ($, YTD)	$547,000 +60.4% YoY — QoQ	-$2.0M	$2.6M	$7.3M	$40.4M	12%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#328 of 661 • Top 49.5% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.66%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 0.67%

(Tier: 1.32%, National: 1.30%)

but worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (1)

Efficiency Drag

risk

#173 of 361 • Bottom 47.6% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 83.61%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

163

Non-Interest Income / Assets

revenue_mix

Value: 0.66%

Peer Median: 0.57%

#163 of 2643 Top 6.1% in $100M-$1B

483

Net Interest Margin

profitability

Value: 4.56%

Peer Median: 3.99%

#483 of 2643 Top 18.2% in $100M-$1B

Top Weaknesses (6 metrics)

2370

Efficiency Ratio

profitability

Value: 83.61%

Peer Median: 64.48%

#2370 of 2643 Bottom 10.4% in $100M-$1B

2306

Loan-to-Deposit Ratio

liquidity

Value: 97.75%

Peer Median: 77.95%

#2306 of 2643 Bottom 12.8% in $100M-$1B

2190

Nonperforming Asset Ratio

credit_quality

Value: 1.16%

Peer Median: 0.67%

#2190 of 2643 Bottom 17.2% in $100M-$1B

2176

Return on Assets

profitability

Value: 0.67%

Peer Median: 1.32%

#2176 of 2643 Bottom 17.7% in $100M-$1B

2120

Total Deposits

size

Value: $144.91M

Peer Median: $326.73M

#2120 of 2643 Bottom 19.8% in $100M-$1B

2100

Total Assets

size

Value: $175.99M

Peer Median: $386.57M

#2100 of 2643 Bottom 20.6% in $100M-$1B