BlastPoint's Banking Scorecard
Highpoint Community Bank
Hastings, MI
7 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 -10.8% year over year ($540.0M on the books).
- Delinquency rate 0.04%.
- Return on assets 0.80%.
- Efficiency ratio 73.08% vs a 64.48% peer average.
- Loan-to-deposit ratio 68.10% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Highpoint Community Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 17.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.52% below tier average
- - Net Interest Margin 0.62% below tier average
- - Efficiency Ratio 8.60% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$592.4M
-10.1% YoY
-0.8% QoQ
|
+$205.8M |
$386.6M
+1.2% YoY
|
$1.0B
+6.5% YoY
|
$6.3B
+7.7% YoY
|
80% |
| Total Loans ? |
$367.7M
+8.2% YoY
+0.5% QoQ
|
+$109.4M |
$258.3M
+1.7% YoY
|
$767.2M
+9.2% YoY
|
$3.2B
+9.4% YoY
|
76% |
| Total Deposits ? |
$540.0M
-10.8% YoY
-1.1% QoQ
|
+$213.3M |
$326.7M
+0.7% YoY
|
$806.0M
+5.9% YoY
|
$4.9B
+7.3% YoY
|
83% |
| Return on Assets ? |
0.80%
-19.2% YoY
+13.8% QoQ
|
-0.52% |
1.32%
+10.8% YoY
|
1.18%
+20.1% YoY
|
1.30%
+12.1% YoY
|
23% |
| Net Interest Margin ? |
3.37%
+2.8% YoY
+4.6% QoQ
|
-0.62% |
3.99%
+5.0% YoY
|
4.06%
+4.7% YoY
|
3.95%
+4.9% YoY
|
22% |
| Efficiency Ratio ? |
73.08%
+16.4% YoY
-0.4% QoQ
|
+8.60% |
64.48%
-3.2% YoY
|
65.90%
-5.4% YoY
|
70.05%
+2.5% YoY
|
24% |
| Delinquency Rate ? |
0.04%
-20.8% YoY
-2.9% QoQ
|
-0.87% |
0.92%
+15.7% YoY
|
0.85%
+32.2% YoY
|
0.98%
+16.3% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
68.10%
+21.3% YoY
+1.6% QoQ
|
-9.86% |
77.95%
+1.0% YoY
|
80.02%
+3.0% YoY
|
79.03%
+2.3% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
19.74%
+15.1% YoY
+6.0% QoQ
|
-2.29% |
22.03%
-0.6% YoY
|
25.55%
-0.4% YoY
|
21.98%
-0.6% YoY
|
45% |
| Nonperforming Asset Ratio ? |
0.03%
-4.6% YoY
-1.6% QoQ
|
-0.64% |
0.67%
+16.4% YoY
|
0.65%
+27.6% YoY
|
0.69%
+15.8% YoY
|
82% |
| Tier 1 Capital Ratio ? |
14.68%
-1.5% YoY
+0.6% QoQ
|
-1.23% |
15.91%
+1.4% YoY
|
20.80%
-0.9% YoY
|
17.09%
+0.8% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.22%
-2.4% YoY
+133.1% QoQ
|
-0.34% |
0.57%
+7.6% YoY
|
0.38%
+3.3% YoY
|
0.66%
+5.2% YoY
|
57% |
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 |
19.7%
+2.6pp YoY +1.1pp QoQ |
-2.4pp | 22.1% | 25.9% | 22.2% | 44% |
| 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 |
3.7%
-0.6pp YoY -0.4pp QoQ |
-7.9pp | 11.6% | 12.8% | 12.5% | 13% |
| CRE |
55.0%
+3.1pp YoY +2.0pp QoQ |
+15.4pp | 39.5% | 45.9% | 41.4% | 78% |
| 1-4 Family |
29.1%
+0.2pp YoY -0.4pp QoQ |
-3.5pp | 32.6% | 33.6% | 31.3% | 49% |
| Consumer |
2.6%
-0.1pp YoY +0.1pp QoQ |
-1.5pp | 4.1% | 4.6% | 5.0% | 55% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.7%
-0.2pp YoY +0.1pp QoQ |
-4.1pp | 18.8% | 26.9% | 19.7% | 46% |
| Leverage Ratio |
8.5%
+1.0pp YoY +0.2pp QoQ |
-3.7pp | 12.2% | 12.3% | 12.6% | 5% |
| Total Capital Ratio |
15.9%
-0.2pp YoY +0.1pp QoQ |
-4.0pp | 19.9% | 27.9% | 20.8% | 47% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
70
-7 (-9.1%) YoY -4 (-5.4%) QoQ |
+11 | 58 | 134 | 482 | 71% |
| Assets per Employee ($) |
$8.5M
-1.1% YoY +4.9% QoQ |
+$944K | $7.5M | $6.8M | $8.8M | 74% |
| Branch Count |
7
0 YoY 0 QoQ |
+2 | 4 | 9 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 0.8% | 1.0% | 10% |
| Allowance Coverage |
26.12x
+32.4% YoY +5.0% QoQ |
+1.97x | 24.15x | 6.79x | 20.23x | 90% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 26% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.9%
-4.8pp YoY +1.1pp QoQ |
-2.3pp | 12.2% | 11.7% | 11.6% | 36% |
| Cost of Funds (YTD) |
1.4%
+0.1pp YoY 0.0pp QoQ |
-0.3pp | 1.7% | 1.5% | 1.7% | 31% |
| Net Income ($, YTD) |
$2.4M
-25.4% YoY — QoQ |
-$180K | $2.6M | $7.3M | $40.4M | 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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.