BlastPoint's Banking Scorecard
The Shelby State Bank
Shelby, MI
10 branches across MI
The Shelby State Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.88% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.47% below tier average
- - Net Interest Margin 0.21% below tier average
- - Efficiency Ratio 10.02% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$391.5M
+10.6% YoY
+1.5% QoQ
|
+$5.5M |
$386.1M
+0.5% YoY
|
$993.6M
+8.4% YoY
|
$6.2B
+9.1% YoY
|
60% |
| Total Loans ? |
$215.6M
+6.4% YoY
+0.8% QoQ
|
-$40.1M |
$255.7M
+1.1% YoY
|
$752.3M
+12.4% YoY
|
$3.2B
+10.8% YoY
|
52% |
| Total Deposits ? |
$346.4M
+9.5% YoY
+2.7% QoQ
|
+$18.5M |
$328.0M
+0.1% YoY
|
$797.0M
+7.4% YoY
|
$4.8B
+8.2% YoY
|
62% |
| Return on Assets ? |
0.80%
+25.7% YoY
-2.1% QoQ
|
-0.47% |
1.27%
+12.9% YoY
|
1.15%
+25.2% YoY
|
1.23%
+13.4% YoY
|
26% |
| Net Interest Margin ? |
3.72%
+7.9% YoY
+2.9% QoQ
|
-0.21% |
3.93%
+6.0% YoY
|
3.99%
+5.8% YoY
|
3.89%
+5.7% YoY
|
42% |
| Efficiency Ratio ? |
75.31%
-3.7% YoY
+1.4% QoQ
|
+10.02% |
65.29%
-4.5% YoY
|
66.95%
-6.2% YoY
|
66.95%
-4.1% YoY
|
22% |
| Delinquency Rate ? |
0.01%
-94.9% YoY
-92.2% QoQ
|
-0.88% |
0.89%
+18.8% YoY
|
0.77%
+21.7% YoY
|
0.95%
+18.8% YoY
|
Top 13.9% in tier |
| Loan-to-Deposit Ratio ? |
62.23%
-2.9% YoY
-1.8% QoQ
|
-14.41% |
76.64%
+0.8% YoY
|
78.66%
+4.9% YoY
|
76.70%
+0.9% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
31.44%
-6.5% YoY
-7.9% QoQ
|
+9.42% |
22.02%
-1.0% YoY
|
24.69%
-2.1% YoY
|
22.01%
-1.2% YoY
|
Top 14.8% in tier |
| Nonperforming Asset Ratio ? |
0.01%
-95.1% YoY
-92.3% QoQ
|
-0.63% |
0.64%
+19.7% YoY
|
0.58%
+27.6% YoY
|
0.67%
+19.3% YoY
|
Top 12.5% in tier |
| Tier 1 Capital Ratio ? |
13.51%
-0.4% YoY
-1.7% QoQ
|
-2.32% |
15.83%
+1.5% YoY
|
20.91%
+0.5% YoY
|
17.06%
+0.8% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.20%
-19.0% YoY
-77.9% QoQ
|
-0.08% |
0.28%
+9.3% YoY
|
0.19%
+5.8% YoY
|
0.32%
+4.1% YoY
|
Top 13.4% 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.