BlastPoint's Banking Scorecard
Baybank
Gladstone, MI
3 branches across MI
Baybank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.14% above tier average
- + Net Interest Margin 0.78% above tier average
- + Efficiency Ratio 4.19% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.71% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$175.1M
+5.8% YoY
+3.8% QoQ
|
-$211.0M |
$386.1M
+0.5% YoY
|
$993.6M
+8.4% YoY
|
$6.2B
+9.1% YoY
|
21% |
| Total Loans ? |
$130.4M
+7.4% YoY
+2.6% QoQ
|
-$125.3M |
$255.7M
+1.1% YoY
|
$752.3M
+12.4% YoY
|
$3.2B
+10.8% YoY
|
29% |
| Total Deposits ? |
$147.6M
+1.0% YoY
+2.6% QoQ
|
-$180.4M |
$328.0M
+0.1% YoY
|
$797.0M
+7.4% YoY
|
$4.8B
+8.2% YoY
|
21% |
| Return on Assets ? |
1.41%
+14.1% YoY
-1.3% QoQ
|
+0.14% |
1.27%
+12.9% YoY
|
1.15%
+25.2% YoY
|
1.23%
+13.4% YoY
|
63% |
| Net Interest Margin ? |
4.71%
+12.1% YoY
+1.8% QoQ
|
+0.78% |
3.93%
+6.0% YoY
|
3.99%
+5.8% YoY
|
3.89%
+5.7% YoY
|
Top 12.9% in tier |
| Efficiency Ratio ? |
61.10%
-2.5% YoY
+0.5% QoQ
|
-4.19% |
65.29%
-4.5% YoY
|
66.95%
-6.2% YoY
|
66.95%
-4.1% YoY
|
56% |
| Delinquency Rate ? |
1.60%
+58.8% YoY
+2.3% QoQ
|
+0.71% |
0.89%
+18.8% YoY
|
0.77%
+21.7% YoY
|
0.95%
+18.8% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
88.39%
+6.3% YoY
-0.0% QoQ
|
+11.75% |
76.64%
+0.8% YoY
|
78.66%
+4.9% YoY
|
76.70%
+0.9% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
11.04%
+61.5% YoY
+17.2% QoQ
|
-10.98% |
22.02%
-1.0% YoY
|
24.69%
-2.1% YoY
|
22.01%
-1.2% YoY
|
Bottom 12.8% in tier |
| Nonperforming Asset Ratio ? |
1.19%
+10.6% YoY
+1.1% QoQ
|
+0.55% |
0.64%
+19.7% YoY
|
0.58%
+27.6% YoY
|
0.67%
+19.3% YoY
|
16% |
| Tier 1 Capital Ratio ? |
10.77%
+8.0% YoY
+1.5% QoQ
|
-5.06% |
15.83%
+1.5% YoY
|
20.91%
+0.5% YoY
|
17.06%
+0.8% YoY
|
20% |
| Non-Interest Income / Assets ? |
0.11%
-12.9% YoY
-77.8% QoQ
|
-0.17% |
0.28%
+9.3% YoY
|
0.19%
+5.8% YoY
|
0.32%
+4.1% YoY
|
59% |
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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.