BlastPoint's Banking Scorecard

Highpoint Community Bank

$100M-$1B Specialty: Commercial MI FDIC cert 11407

Hastings, MI

7 branches across MI

2664 banks in the $100M-$1B peer group nationally 46 in MI

Highpoint Community Bank has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 19.4% in tier

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 27.1% in tier
- Cost Spiral: Bottom 78.6% in tier
- ROA 0.57% below tier average
- Net Interest Margin 0.71% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Total Assets ?	$597.2M -6.5% YoY +1.3% QoQ	+$211.1M	$386.1M +0.5% YoY	$993.6M +8.4% YoY	$6.2B +9.1% YoY	80%
Total Loans ?	$365.7M +9.6% YoY +4.5% QoQ	+$110.0M	$255.7M +1.1% YoY	$752.3M +12.4% YoY	$3.2B +10.8% YoY	76%
Total Deposits ?	$545.8M -6.9% YoY +2.6% QoQ	+$217.8M	$328.0M +0.1% YoY	$797.0M +7.4% YoY	$4.8B +8.2% YoY	83%
Return on Assets ?	0.70% -14.6% YoY -29.7% QoQ	-0.57%	1.27% +12.9% YoY	1.15% +25.2% YoY	1.23% +13.4% YoY	21%
Net Interest Margin ?	3.22% +3.0% YoY -4.4% QoQ	-0.71%	3.93% +6.0% YoY	3.99% +5.8% YoY	3.89% +5.7% YoY	18%
Efficiency Ratio ?	73.39% +10.3% YoY +12.5% QoQ	+8.10%	65.29% -4.5% YoY	66.95% -6.2% YoY	66.95% -4.1% YoY	25%
Delinquency Rate ?	0.05% -27.9% YoY -6.0% QoQ	-0.84%	0.89% +18.8% YoY	0.77% +21.7% YoY	0.95% +18.8% YoY	80%
Loan-to-Deposit Ratio ?	67.01% +17.8% YoY +1.9% QoQ	-9.63%	76.64% +0.8% YoY	78.66% +4.9% YoY	76.70% +0.9% YoY	72%
Non-Interest-Bearing Deposit Share ?	18.62% +2.6% YoY -8.6% QoQ	-3.40%	22.02% -1.0% YoY	24.69% -2.1% YoY	22.01% -1.2% YoY	39%
Nonperforming Asset Ratio ?	0.03% -15.5% YoY -3.0% QoQ	-0.61%	0.64% +19.7% YoY	0.58% +27.6% YoY	0.67% +19.3% YoY	82%
Tier 1 Capital Ratio ?	14.59% -2.0% YoY -4.0% QoQ	-1.25%	15.83% +1.5% YoY	20.91% +0.5% YoY	17.06% +0.8% YoY	62%
Non-Interest Income / Assets ?	0.10% -12.6% YoY -82.7% QoQ	-0.18%	0.28% +9.3% YoY	0.19% +5.8% YoY	0.32% +4.1% YoY	49%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#130 of 664 • Top 19.4% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.05%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (2)

Deposit Outflow

decline

#138 of 506 • Bottom 27.1% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank improving

Cost Spiral

risk

#100 of 126 • Bottom 78.6% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 73.39%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

443

Total Deposits

size

Value: $545.80M

Peer Median: $327.97M

#443 of 2664 Top 16.6% in $100M-$1B

489

Nonperforming Asset Ratio

credit_quality

Value: 0.03%

Peer Median: 0.64%

#489 of 2664 Top 18.3% in $100M-$1B

525

Delinquency Rate

credit_quality

Value: 0.05%

Peer Median: 0.89%

#525 of 2654 Top 19.7% in $100M-$1B

527

Total Assets

size

Value: $597.21M

Peer Median: $386.08M

#527 of 2664 Top 19.7% in $100M-$1B

633

Total Loans

size

Value: $365.74M

Peer Median: $255.72M

#633 of 2664 Top 23.7% in $100M-$1B

Top Weaknesses (2 metrics)

2181

Net Interest Margin

profitability

Value: 3.22%

Peer Median: 3.93%

#2181 of 2664 Bottom 18.2% in $100M-$1B

2105

Return on Assets

profitability

Value: 0.70%

Peer Median: 1.27%

#2105 of 2664 Bottom 21.0% in $100M-$1B