BlastPoint's Banking Scorecard
Baybank
Gladstone, 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 +0.4% year over year ($145.8M on the books).
- Delinquency rate 2.05%.
- Return on assets 1.23%.
- Efficiency ratio 65.93% vs a 64.48% peer average.
- Loan-to-deposit ratio 92.45% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Baybank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.82% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 34.9% in tier
- - ROA 0.09% below tier average
- - Efficiency Ratio 1.45% above tier average
- - Delinquency Rate 1.13% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$173.4M
+5.0% YoY
-1.0% QoQ
|
-$213.2M |
$386.6M
+1.2% YoY
|
$1.0B
+6.5% YoY
|
$6.3B
+7.7% YoY
|
20% |
| Total Loans ? |
$134.8M
+7.1% YoY
+3.3% QoQ
|
-$123.5M |
$258.3M
+1.7% YoY
|
$767.2M
+9.2% YoY
|
$3.2B
+9.4% YoY
|
30% |
| Total Deposits ? |
$145.8M
+0.4% YoY
-1.2% QoQ
|
-$180.9M |
$326.7M
+0.7% YoY
|
$806.0M
+5.9% YoY
|
$4.9B
+7.3% YoY
|
20% |
| Return on Assets ? |
1.23%
-5.7% YoY
-12.9% QoQ
|
-0.09% |
1.32%
+10.8% YoY
|
1.18%
+20.1% YoY
|
1.30%
+12.1% YoY
|
49% |
| Net Interest Margin ? |
4.81%
+9.7% YoY
+2.1% QoQ
|
+0.82% |
3.99%
+5.0% YoY
|
4.06%
+4.7% YoY
|
3.95%
+4.9% YoY
|
Top 11.8% in tier |
| Efficiency Ratio ? |
65.93%
+5.3% YoY
+7.9% QoQ
|
+1.45% |
64.48%
-3.2% YoY
|
65.90%
-5.4% YoY
|
70.05%
+2.5% YoY
|
40% |
| Delinquency Rate ? |
2.05%
+79.6% YoY
+27.9% QoQ
|
+1.13% |
0.92%
+15.7% YoY
|
0.85%
+32.2% YoY
|
0.98%
+16.3% YoY
|
Bottom 12.5% in tier |
| Loan-to-Deposit Ratio ? |
92.45%
+6.6% YoY
+4.6% QoQ
|
+14.49% |
77.95%
+1.0% YoY
|
80.02%
+3.0% YoY
|
79.03%
+2.3% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
11.74%
+35.4% YoY
+6.4% QoQ
|
-10.29% |
22.03%
-0.6% YoY
|
25.55%
-0.4% YoY
|
21.98%
-0.6% YoY
|
Bottom 13.9% in tier |
| Nonperforming Asset Ratio ? |
1.59%
+31.7% YoY
+33.5% QoQ
|
+0.92% |
0.67%
+16.4% YoY
|
0.65%
+27.6% YoY
|
0.69%
+15.8% YoY
|
Bottom 10.9% in tier |
| Tier 1 Capital Ratio ? |
10.71%
+5.8% YoY
-0.5% QoQ
|
-5.19% |
15.91%
+1.4% YoY
|
20.80%
-0.9% YoY
|
17.09%
+0.8% YoY
|
19% |
| Non-Interest Income / Assets ? |
0.23%
-7.4% YoY
+99.5% QoQ
|
-0.34% |
0.57%
+7.6% YoY
|
0.38%
+3.3% YoY
|
0.66%
+5.2% YoY
|
58% |
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 |
11.7%
+3.1pp YoY +0.7pp QoQ |
-10.4pp | 22.1% | 25.9% | 22.2% | 13% |
| 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 |
17.6%
-1.3pp YoY -0.9pp QoQ |
+6.0pp | 11.6% | 12.8% | 12.5% | 83% |
| CRE |
30.9%
+3.8pp YoY +1.4pp QoQ |
-8.7pp | 39.5% | 45.9% | 41.4% | 36% |
| 1-4 Family |
38.6%
-0.4pp YoY -0.1pp QoQ |
+6.0pp | 32.6% | 33.6% | 31.3% | 68% |
| Consumer |
14.2%
-2.0pp YoY -0.4pp QoQ |
+10.1pp | 4.1% | 4.6% | 5.0% | 96% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 26.9% | 19.7% | n/a |
| Leverage Ratio |
10.7%
+0.6pp YoY -0.1pp QoQ |
-1.5pp | 12.2% | 12.3% | 12.6% | 45% |
| Total Capital Ratio | n/a | n/a | 19.9% | 27.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
37
+6 (+19.4%) YoY +1 (+2.8%) QoQ |
-22 | 58 | 134 | 482 | 37% |
| Assets per Employee ($) |
$4.7M
-12.0% YoY -3.7% QoQ |
-$2.8M | $7.5M | $6.8M | $8.8M | 10% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 9 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.6%
+0.2pp YoY -0.2pp QoQ |
+0.3pp | 0.3% | 0.2% | 0.4% | 85% |
| Nonaccrual |
1.5%
+0.7pp YoY +0.7pp QoQ |
+0.5pp | 0.9% | 0.8% | 1.0% | 81% |
| Allowance Coverage |
0.71x
-43.2% YoY -22.6% QoQ |
-23.44x | 24.15x | 6.79x | 20.23x | 18% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 69% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.4%
-2.1pp YoY -1.9pp QoQ |
+0.2pp | 12.2% | 11.7% | 11.6% | 52% |
| Cost of Funds (YTD) |
1.8%
-0.3pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 1.5% | 1.7% | 58% |
| Net Income ($, YTD) |
$1.1M
-0.5% YoY — QoQ |
-$1.5M | $2.6M | $7.3M | $40.4M | 28% |
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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 (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.