BlastPoint's Banking Scorecard
Mayville State Bank
Designations: ✓ Community bank
Mayville, MI
2 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 536 banks in the under $100M peer group nationwide — 1 of 7 in MI.
- Deposits +0.0% year over year ($85.0M on the books).
- Delinquency rate 2.12%.
- Return on assets 0.97%.
- Efficiency ratio 71.10% vs a 119.40% peer average.
- Loan-to-deposit ratio 51.30% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Mayville State Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 48.29% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.13% below tier average
- - Delinquency Rate 0.64% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$94.6M
+1.1% YoY
-2.9% QoQ
|
+$32.2M |
$62.4M
-0.0% YoY
|
$1.0B
+6.5% YoY
|
$6.3B
+7.7% YoY
|
Top 7.3% in tier |
| Total Loans ? |
$43.6M
-3.1% YoY
-0.6% QoQ
|
+$8.7M |
$34.9M
-0.6% YoY
|
$767.2M
+9.2% YoY
|
$3.2B
+9.4% YoY
|
68% |
| Total Deposits ? |
$85.0M
+0.0% YoY
-3.1% QoQ
|
+$33.4M |
$51.6M
-0.2% YoY
|
$806.0M
+5.9% YoY
|
$4.9B
+7.3% YoY
|
Top 3.2% in tier |
| Return on Assets ? |
0.97%
+25.4% YoY
+12.4% QoQ
|
-0.02% |
1.00%
+3.5% YoY
|
1.18%
+20.1% YoY
|
1.30%
+12.1% YoY
|
49% |
| Net Interest Margin ? |
3.78%
+5.3% YoY
+0.5% QoQ
|
-0.13% |
3.91%
+2.3% YoY
|
4.06%
+4.7% YoY
|
3.95%
+4.9% YoY
|
45% |
| Efficiency Ratio ? |
71.10%
-5.3% YoY
-1.8% QoQ
|
-48.29% |
119.40%
+49.6% YoY
|
65.90%
-5.4% YoY
|
70.05%
+2.5% YoY
|
49% |
| Delinquency Rate ? |
2.12%
+67.1% YoY
+41.1% QoQ
|
+0.64% |
1.48%
+31.8% YoY
|
0.85%
+32.2% YoY
|
0.98%
+16.3% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
51.30%
-3.1% YoY
+2.6% QoQ
|
-22.91% |
74.21%
+12.6% YoY
|
80.02%
+3.0% YoY
|
79.03%
+2.3% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
25.66%
+3.8% YoY
-1.6% QoQ
|
+2.17% |
23.49%
+0.6% YoY
|
25.55%
-0.4% YoY
|
21.98%
-0.6% YoY
|
60% |
| Nonperforming Asset Ratio ? |
0.98%
+60.1% YoY
+44.4% QoQ
|
+0.14% |
0.84%
+23.0% YoY
|
0.65%
+27.6% YoY
|
0.69%
+15.8% YoY
|
24% |
| Tier 1 Capital Ratio ? |
11.72%
+0.2% YoY
+2.7% QoQ
|
-15.40% |
27.13%
+3.0% YoY
|
20.80%
-0.9% YoY
|
17.09%
+0.8% YoY
|
19% |
| Non-Interest Income / Assets ? |
0.33%
-3.0% YoY
+115.6% QoQ
|
-1.05% |
1.38%
+6.3% YoY
|
0.38%
+3.3% YoY
|
0.66%
+5.2% YoY
|
Top 14.2% in tier |
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 |
25.7%
+0.9pp YoY -0.4pp QoQ |
+1.0pp | 24.6% | 25.9% | 22.2% | 58% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
4.4%
-0.7pp YoY -0.1pp QoQ |
-9.0pp | 13.4% | 12.8% | 12.5% | 17% |
| CRE | n/a | n/a | 25.2% | 45.9% | 41.4% | n/a |
| 1-4 Family |
70.6%
+0.6pp YoY +0.9pp QoQ |
+35.7pp | 35.0% | 33.6% | 31.3% | 87% |
| Consumer |
10.8%
-1.3pp YoY -0.6pp QoQ |
+3.1pp | 7.7% | 4.6% | 5.0% | 80% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 26.9% | 19.7% | n/a |
| Leverage Ratio |
11.7%
0.0pp YoY +0.3pp QoQ |
-6.0pp | 17.7% | 12.3% | 12.6% | 37% |
| Total Capital Ratio | n/a | n/a | 39.7% | 27.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
23
-1 (-4.2%) YoY -1 (-4.2%) QoQ |
+11 | 12 | 134 | 482 | 94% |
| Assets per Employee ($) |
$4.1M
+5.5% YoY +1.4% QoQ |
-$2.1M | $6.2M | $6.8M | $8.8M | 22% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 9 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.2% | 0.4% | n/a |
| Nonaccrual |
2.1%
+0.8pp YoY +0.6pp QoQ |
+0.4pp | 1.7% | 0.8% | 1.0% | 77% |
| Allowance Coverage |
0.64x
-33.3% YoY -26.9% QoQ |
-5.77x | 6.41x | 6.79x | 20.23x | 31% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY -0.1pp QoQ |
0.0pp | 0.2% | 0.1% | 0.2% | 71% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.1%
+0.8pp YoY +1.0pp QoQ |
+3.7pp | 6.4% | 11.7% | 11.6% | 62% |
| Cost of Funds (YTD) |
0.7%
0.0pp YoY 0.0pp QoQ |
-0.7pp | 1.4% | 1.5% | 1.7% | 13% |
| Net Income ($, YTD) |
$468,000
+26.5% YoY — QoQ |
+$150K | $317,817 | $7.3M | $40.4M | 70% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.