BlastPoint's Banking Scorecard

First State Bank of Michigan

under $100M Specialty: Commercial MI FDIC cert 12893

Designations: ✓ Community bank

Decatur, MI

2 branches across MI

537 banks in the under $100M peer group nationally 8 in MI

First State Bank of Michigan has 1 strength but faces 3 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

+ Delinquency Rate 0.25% below tier average

Key Concerns

Areas that may need attention

- Return on Assets 2.21% below tier average
- Efficiency Ratio 38.74% above tier average
- Net Interest Margin 0.21% below tier average

Get updates when First State Bank of Michigan releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Total Assets ?	$83.2M +30.6% YoY +3.3% QoQ	+$20.9M	$62.3M -0.5% YoY	$993.6M +7.1% YoY	$6.2B +9.0% YoY	75%
Total Loans ?	$50.7M +95.6% YoY +16.7% QoQ	+$16.4M	$34.3M -1.5% YoY	$752.3M +11.0% YoY	$3.2B +10.7% YoY	78%
Total Deposits ?	$66.8M +37.9% YoY +3.1% QoQ	+$15.0M	$51.8M -0.6% YoY	$797.0M +6.2% YoY	$4.8B +8.0% YoY	69%
Return on Assets ?	-1.35% +21.6% YoY +8.6% QoQ	-2.21%	0.86% -3.6% YoY	1.15% +24.5% YoY	1.24% +13.1% YoY	Bottom 5.8% in tier
Net Interest Margin ?	3.66% -19.2% YoY -20.7% QoQ	-0.21%	3.87% +2.7% YoY	3.99% +5.7% YoY	3.89% +5.7% YoY	40%
Efficiency Ratio ?	126.37% -3.7% YoY +5.4% QoQ	+38.74%	87.63% +2.3% YoY	66.95% -6.0% YoY	66.84% -3.8% YoY	Bottom 6.1% in tier
Delinquency Rate ?	1.11% +78.2% YoY -44.5% QoQ	-0.25%	1.36% +33.7% YoY	0.77% +25.0% YoY	0.95% +18.8% YoY	33%
Loan-to-Deposit Ratio ?	75.84% +41.8% YoY +13.3% QoQ	+11.73%	64.11% -0.9% YoY	78.66% +4.3% YoY	76.69% +0.9% YoY	34%
Non-Interest-Bearing Deposit Share ?	12.29% -33.9% YoY -5.9% QoQ	-11.49%	23.79% +0.5% YoY	24.69% -2.1% YoY	22.01% -1.1% YoY	18%
Nonperforming Asset Ratio ?	0.67% +166.8% YoY -37.3% QoQ	-0.10%	0.77% +28.7% YoY	0.58% +28.9% YoY	0.66% +19.3% YoY	31%
Tier 1 Capital Ratio ?	14.74% -25.4% YoY -19.4% QoQ	-12.03%	26.77% +2.0% YoY	20.91% -0.1% YoY	17.06% +0.8% YoY	45%
Non-Interest Income / Assets ?	0.03% -23.4% YoY -77.4% QoQ	-0.64%	0.67% +1.6% YoY	0.19% +5.0% YoY	0.32% +4.0% YoY	26%

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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 (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

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 537 peers in under $100M

Top Strengths (1 metrics)

119

Total Loans

size

Value: $50.66M

Peer Median: $34.29M

#119 of 537 Top 22.0% in under $100M

Top Weaknesses (3 metrics)

507

Return on Assets

profitability

Value: -1.35%

Peer Median: 0.86%

#507 of 537 Bottom 5.8% in under $100M

505

Efficiency Ratio

profitability

Value: 126.37%

Peer Median: 87.63%

#505 of 537 Bottom 6.1% in under $100M

440

Non-Interest-Bearing Deposit Share

funding

Value: 12.29%

Peer Median: 23.79%

#440 of 537 Bottom 18.2% in under $100M