BlastPoint's Banking Scorecard
The Miners State Bank
Iron River, MI
6 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 -6.0% year over year ($117.6M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.05%.
- Efficiency ratio 70.92% vs a 64.48% peer average.
- Loan-to-deposit ratio 72.71% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Miners State Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.92% below tier average
- + Net Interest Margin 0.27% above tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 13.1% in tier
- - ROA 0.28% below tier average
- - Efficiency Ratio 6.44% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$134.8M
-4.6% YoY
-4.6% QoQ
|
-$251.8M |
$386.6M
+1.2% YoY
|
$1.0B
+6.5% YoY
|
$6.3B
+7.7% YoY
|
Bottom 9.5% in tier |
| Total Loans ? |
$85.5M
-5.4% YoY
-2.1% QoQ
|
-$172.9M |
$258.3M
+1.7% YoY
|
$767.2M
+9.2% YoY
|
$3.2B
+9.4% YoY
|
Bottom 12.6% in tier |
| Total Deposits ? |
$117.6M
-6.0% YoY
-5.4% QoQ
|
-$209.2M |
$326.7M
+0.7% YoY
|
$806.0M
+5.9% YoY
|
$4.9B
+7.3% YoY
|
Bottom 10.9% in tier |
| Return on Assets ? |
1.05%
+52.8% YoY
-12.6% QoQ
|
-0.28% |
1.32%
+10.8% YoY
|
1.18%
+20.1% YoY
|
1.30%
+12.1% YoY
|
37% |
| Net Interest Margin ? |
4.25%
+14.6% YoY
+2.4% QoQ
|
+0.27% |
3.99%
+5.0% YoY
|
4.06%
+4.7% YoY
|
3.95%
+4.9% YoY
|
68% |
| Efficiency Ratio ? |
70.92%
-12.9% YoY
+0.6% QoQ
|
+6.44% |
64.48%
-3.2% YoY
|
65.90%
-5.4% YoY
|
70.05%
+2.5% YoY
|
28% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.92% |
0.92%
+15.7% YoY
|
0.85%
+32.2% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
72.71%
+0.6% YoY
+3.5% QoQ
|
-5.24% |
77.95%
+1.0% YoY
|
80.02%
+3.0% YoY
|
79.03%
+2.3% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
27.33%
-1.9% YoY
-3.2% QoQ
|
+5.30% |
22.03%
-0.6% YoY
|
25.55%
-0.4% YoY
|
21.98%
-0.6% YoY
|
74% |
| Nonperforming Asset Ratio ? |
0.23%
-57.6% YoY
-30.8% QoQ
|
-0.44% |
0.67%
+16.4% YoY
|
0.65%
+27.6% YoY
|
0.69%
+15.8% YoY
|
58% |
| Tier 1 Capital Ratio ? |
12.19%
+7.6% YoY
+3.5% QoQ
|
-3.72% |
15.91%
+1.4% YoY
|
20.80%
-0.9% YoY
|
17.09%
+0.8% YoY
|
38% |
| Non-Interest Income / Assets ? |
0.15%
+75.1% YoY
+75.1% QoQ
|
-0.42% |
0.57%
+7.6% YoY
|
0.38%
+3.3% YoY
|
0.66%
+5.2% YoY
|
33% |
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 |
27.3%
-0.5pp YoY -0.9pp QoQ |
+5.2pp | 22.1% | 25.9% | 22.2% | 74% |
| 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 |
6.4%
-1.5pp YoY -1.1pp QoQ |
-5.1pp | 11.6% | 12.8% | 12.5% | 29% |
| CRE |
60.8%
+0.4pp YoY +1.1pp QoQ |
+21.2pp | 39.5% | 45.9% | 41.4% | 85% |
| 1-4 Family |
32.4%
+1.0pp YoY +0.2pp QoQ |
-0.3pp | 32.6% | 33.6% | 31.3% | 56% |
| Consumer |
1.2%
+0.1pp YoY -0.1pp QoQ |
-2.9pp | 4.1% | 4.6% | 5.0% | 33% |
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 |
12.2%
+0.9pp YoY +0.4pp QoQ |
0.0pp | 12.2% | 12.3% | 12.6% | 67% |
| 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 |
32
-2 (-5.9%) YoY 0 QoQ |
-27 | 58 | 134 | 482 | 30% |
| Assets per Employee ($) |
$4.2M
+1.3% YoY -4.6% QoQ |
-$3.3M | $7.5M | $6.8M | $8.8M | 6% |
| Branch Count |
6
0 YoY 0 QoQ |
+1 | 4 | 9 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 0.8% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 6.79x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
0.0%
-0.2pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 54% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.4%
+2.6pp YoY -1.6pp QoQ |
-2.8pp | 12.2% | 11.7% | 11.6% | 33% |
| Cost of Funds (YTD) |
1.3%
-0.1pp YoY 0.0pp QoQ |
-0.5pp | 1.7% | 1.5% | 1.7% | 22% |
| Net Income ($, YTD) |
$728,000
+51.4% YoY — QoQ |
-$1.8M | $2.6M | $7.3M | $40.4M | 17% |
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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)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.