BlastPoint's Banking Scorecard
The Miners State Bank
Iron River, MI
6 branches across MI
The Miners State Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.22% above tier average
- + Delinquency Rate 0.88% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 41.1% in tier
- - Flatlined Growth: Bottom 44.7% in tier
- - ROA 0.07% below tier average
- - Efficiency Ratio 5.23% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$141.3M
-0.3% YoY
+0.1% QoQ
|
-$244.7M |
$386.1M
+0.5% YoY
|
$993.6M
+8.4% YoY
|
$6.2B
+9.1% YoY
|
Bottom 11.7% in tier |
| Total Loans ? |
$87.3M
-3.5% YoY
-1.1% QoQ
|
-$168.4M |
$255.7M
+1.1% YoY
|
$752.3M
+12.4% YoY
|
$3.2B
+10.8% YoY
|
Bottom 14.5% in tier |
| Total Deposits ? |
$124.2M
-1.2% YoY
+0.2% QoQ
|
-$203.7M |
$328.0M
+0.1% YoY
|
$797.0M
+7.4% YoY
|
$4.8B
+8.2% YoY
|
Bottom 13.1% in tier |
| Return on Assets ? |
1.20%
+43.1% YoY
+38.1% QoQ
|
-0.07% |
1.27%
+12.9% YoY
|
1.15%
+25.2% YoY
|
1.23%
+13.4% YoY
|
50% |
| Net Interest Margin ? |
4.15%
+15.9% YoY
+5.3% QoQ
|
+0.22% |
3.93%
+6.0% YoY
|
3.99%
+5.8% YoY
|
3.89%
+5.7% YoY
|
66% |
| Efficiency Ratio ? |
70.52%
-12.5% YoY
-5.5% QoQ
|
+5.23% |
65.29%
-4.5% YoY
|
66.95%
-6.2% YoY
|
66.95%
-4.1% YoY
|
31% |
| Delinquency Rate ? |
0.01%
-97.9% YoY
-97.6% QoQ
|
-0.88% |
0.89%
+18.8% YoY
|
0.77%
+21.7% YoY
|
0.95%
+18.8% YoY
|
Top 13.5% in tier |
| Loan-to-Deposit Ratio ? |
70.25%
-2.3% YoY
-1.3% QoQ
|
-6.39% |
76.64%
+0.8% YoY
|
78.66%
+4.9% YoY
|
76.70%
+0.9% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
28.23%
-4.2% YoY
-2.3% QoQ
|
+6.21% |
22.02%
-1.0% YoY
|
24.69%
-2.1% YoY
|
22.01%
-1.2% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.33%
-52.1% YoY
-38.9% QoQ
|
-0.31% |
0.64%
+19.7% YoY
|
0.58%
+27.6% YoY
|
0.67%
+19.3% YoY
|
48% |
| Tier 1 Capital Ratio ? |
11.78%
+3.1% YoY
+2.1% QoQ
|
-4.05% |
15.83%
+1.5% YoY
|
20.91%
+0.5% YoY
|
17.06%
+0.8% YoY
|
32% |
| Non-Interest Income / Assets ? |
0.08%
-10.3% YoY
-68.8% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.19%
+5.8% YoY
|
0.32%
+4.1% YoY
|
42% |
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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 (2)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.