BlastPoint's Banking Scorecard

First Community Bank

$100M-$1B Specialty: Commercial MI FDIC cert 13179

Harbor Springs, MI

10 branches across MI

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

First Community Bank has 5 strengths but faces 1 concern

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

+ Deposit Franchise: Top 11.8% in tier
+ Credit Quality Leader: Top 31.2% in tier
+ Nonperforming Asset Ratio 0.64% below tier average
+ ROA 0.62% above tier average
+ Efficiency Ratio 1.25% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 41.4% in tier

Get updates when First Community Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Total Assets ?	$414.0M +4.6% YoY +2.6% QoQ	+$27.9M	$386.1M +0.5% YoY	$993.6M +8.4% YoY	$6.2B +9.1% YoY	63%
Total Loans ?	$337.3M +7.2% YoY +3.6% QoQ	+$81.6M	$255.7M +1.1% YoY	$752.3M +12.4% YoY	$3.2B +10.8% YoY	73%
Total Deposits ?	$356.0M +5.0% YoY +1.0% QoQ	+$28.0M	$328.0M +0.1% YoY	$797.0M +7.4% YoY	$4.8B +8.2% YoY	63%
Return on Assets ?	1.89% +14.5% YoY +1.6% QoQ	+0.62%	1.27% +12.9% YoY	1.15% +25.2% YoY	1.23% +13.4% YoY	85%
Net Interest Margin ?	5.50% +7.4% YoY +5.3% QoQ	+1.57%	3.93% +6.0% YoY	3.99% +5.8% YoY	3.89% +5.7% YoY	Top 2.9% in tier
Efficiency Ratio ?	64.03% -5.4% YoY -0.8% QoQ	-1.25%	65.29% -4.5% YoY	66.95% -6.2% YoY	66.95% -4.1% YoY	47%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.77% +21.7% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	94.76% +2.0% YoY +2.7% QoQ	+18.13%	76.64% +0.8% YoY	78.66% +4.9% YoY	76.70% +0.9% YoY	16%
Non-Interest-Bearing Deposit Share ?	38.60% +0.9% YoY -1.6% QoQ	+16.58%	22.02% -1.0% YoY	24.69% -2.1% YoY	22.01% -1.2% YoY	Top 6.0% in tier
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.58% +27.6% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	11.85% -5.9% YoY -2.9% QoQ	-3.98%	15.83% +1.5% YoY	20.91% +0.5% YoY	17.06% +0.8% YoY	33%
Non-Interest Income / Assets ?	0.09% -2.0% YoY -79.3% QoQ	-0.19%	0.28% +9.3% YoY	0.19% +5.8% YoY	0.32% +4.1% YoY	45%

Get Full Access to First Community Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (2)

Deposit Franchise

growth

#33 of 272 • Top 11.8% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 38.60%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 5.50%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

Credit Quality Leader

growth

#208 of 664 • Top 31.2% in tier

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

Why this signature

Delinquency Rate: 0.00%

(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 (1)

Liquidity Strain

risk

#267 of 643 • Bottom 41.4% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 94.76%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank declining

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)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Net Interest Margin

profitability

Value: 5.50%

Peer Median: 3.93%

#78 of 2664 Top 2.9% in $100M-$1B

160

Non-Interest-Bearing Deposit Share

funding

Value: 38.60%

Peer Median: 22.02%

#160 of 2664 Top 6.0% in $100M-$1B

413

Return on Assets

profitability

Value: 1.89%

Peer Median: 1.27%

#413 of 2664 Top 15.5% in $100M-$1B

Top Weaknesses (1 metrics)

2248

Loan-to-Deposit Ratio

liquidity

Value: 94.76%

Peer Median: 76.64%

#2248 of 2664 Bottom 15.7% in $100M-$1B