BlastPoint's Banking Scorecard
The Shelby State Bank
Shelby, MI
9 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 +3.8% year over year ($339.5M on the books).
- Delinquency rate 0.01%.
- Return on assets 0.90%.
- Efficiency ratio 73.12% vs a 64.48% peer average.
- Loan-to-deposit ratio 63.63% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Shelby State Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.91% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.43% below tier average
- - Net Interest Margin 0.21% below tier average
- - Efficiency Ratio 8.65% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$397.0M
+8.9% YoY
+1.4% QoQ
|
+$10.4M |
$386.6M
+1.2% YoY
|
$1.0B
+6.5% YoY
|
$6.3B
+7.7% YoY
|
61% |
| Total Loans ? |
$216.0M
+2.6% YoY
+0.2% QoQ
|
-$42.3M |
$258.3M
+1.7% YoY
|
$767.2M
+9.2% YoY
|
$3.2B
+9.4% YoY
|
52% |
| Total Deposits ? |
$339.5M
+3.8% YoY
-2.0% QoQ
|
+$12.8M |
$326.7M
+0.7% YoY
|
$806.0M
+5.9% YoY
|
$4.9B
+7.3% YoY
|
61% |
| Return on Assets ? |
0.90%
+34.1% YoY
+11.6% QoQ
|
-0.43% |
1.32%
+10.8% YoY
|
1.18%
+20.1% YoY
|
1.30%
+12.1% YoY
|
28% |
| Net Interest Margin ? |
3.77%
+8.3% YoY
+1.5% QoQ
|
-0.21% |
3.99%
+5.0% YoY
|
4.06%
+4.7% YoY
|
3.95%
+4.9% YoY
|
41% |
| Efficiency Ratio ? |
73.12%
-6.0% YoY
-2.9% QoQ
|
+8.65% |
64.48%
-3.2% YoY
|
65.90%
-5.4% YoY
|
70.05%
+2.5% YoY
|
24% |
| Delinquency Rate ? |
0.01%
-94.4% YoY
-18.3% QoQ
|
-0.91% |
0.92%
+15.7% YoY
|
0.85%
+32.2% YoY
|
0.98%
+16.3% YoY
|
Top 13.9% in tier |
| Loan-to-Deposit Ratio ? |
63.63%
-1.2% YoY
+2.3% QoQ
|
-14.32% |
77.95%
+1.0% YoY
|
80.02%
+3.0% YoY
|
79.03%
+2.3% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
32.65%
-2.8% YoY
+3.9% QoQ
|
+10.62% |
22.03%
-0.6% YoY
|
25.55%
-0.4% YoY
|
21.98%
-0.6% YoY
|
Top 13.2% in tier |
| Nonperforming Asset Ratio ? |
0.07%
-48.5% YoY
|
-0.60% |
0.67%
+16.4% YoY
|
0.65%
+27.6% YoY
|
0.69%
+15.8% YoY
|
75% |
| Tier 1 Capital Ratio ? |
13.75%
+3.3% YoY
+1.8% QoQ
|
-2.16% |
15.91%
+1.4% YoY
|
20.80%
-0.9% YoY
|
17.09%
+0.8% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.42%
-10.7% YoY
+108.7% QoQ
|
-0.14% |
0.57%
+7.6% YoY
|
0.38%
+3.3% YoY
|
0.66%
+5.2% YoY
|
Top 12.9% in tier |
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 |
32.7%
-0.9pp YoY +1.2pp QoQ |
+10.5pp | 22.1% | 25.9% | 22.2% | 87% |
| Brokered Deposits | n/a | n/a | 7.9% | 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 |
6.1%
+0.4pp YoY -0.5pp QoQ |
-5.5pp | 11.6% | 12.8% | 12.5% | 26% |
| CRE |
57.9%
-1.0pp YoY -0.3pp QoQ |
+18.4pp | 39.5% | 45.9% | 41.4% | 82% |
| 1-4 Family |
24.9%
+0.5pp YoY +0.4pp QoQ |
-7.8pp | 32.6% | 33.6% | 31.3% | 40% |
| Consumer |
1.5%
-0.3pp YoY +0.1pp QoQ |
-2.6pp | 4.1% | 4.6% | 5.0% | 39% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.8%
+0.4pp YoY +0.2pp QoQ |
-5.1pp | 18.8% | 26.9% | 19.7% | 36% |
| Leverage Ratio |
9.1%
-0.3pp YoY 0.0pp QoQ |
-3.1pp | 12.2% | 12.3% | 12.6% | 13% |
| Total Capital Ratio |
14.7%
+0.5pp YoY +0.3pp QoQ |
-5.2pp | 19.9% | 27.9% | 20.8% | 35% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
79
-7 (-8.1%) YoY -1 (-1.2%) QoQ |
+20 | 58 | 134 | 482 | 76% |
| Assets per Employee ($) |
$5.0M
+18.6% YoY +2.7% QoQ |
-$2.5M | $7.5M | $6.8M | $8.8M | 15% |
| Branch Count |
9
-1 (-10.0%) YoY 0 QoQ |
+4 | 4 | 9 | 18 | 86% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.0%
-0.1pp YoY |
-0.9pp | 0.9% | 0.8% | 1.0% | 3% |
| Allowance Coverage |
144.17x
+1820.2% YoY +25.5% QoQ |
+120.01x | 24.15x | 6.79x | 20.23x | 97% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 61% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.1%
+2.2pp YoY +1.2pp QoQ |
-1.1pp | 12.2% | 11.7% | 11.6% | 43% |
| Cost of Funds (YTD) |
1.1%
+0.1pp YoY +0.1pp QoQ |
-0.6pp | 1.7% | 1.5% | 1.7% | 16% |
| Net Income ($, YTD) |
$1.8M
+46.7% YoY — QoQ |
-$802K | $2.6M | $7.3M | $40.4M | 47% |
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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.