BlastPoint's Banking Scorecard

The State Savings Bank of Manistique

$100M-$1B Specialty: Commercial MI FDIC cert 13249

Manistique, MI

3 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 +11.3% year over year ($154.1M on the books).
Delinquency rate 0.71%.
Return on assets 0.77%.
Efficiency ratio 72.47% vs a 64.48% peer average.
Loan-to-deposit ratio 59.82% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 47 in MI

View $100M-$1B leaderboard (MI) →

The State Savings Bank of Manistique has 1 strength but faces 5 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 0.21% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 48.7% in tier
- Non-Interest-Bearing Deposit Share 14.53% below tier average
- ROA 0.55% below tier average
- Net Interest Margin 0.74% below tier average
- Efficiency Ratio 7.99% above tier average

Get updates when The State Savings Bank of Manistique releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Total Assets ?	$178.2M +7.5% YoY -2.5% QoQ	-$208.4M	$386.6M +1.2% YoY	$1.0B +6.5% YoY	$6.3B +7.7% YoY	21%
Total Loans ?	$92.2M +8.7% YoY -1.4% QoQ	-$166.2M	$258.3M +1.7% YoY	$767.2M +9.2% YoY	$3.2B +9.4% YoY	16%
Total Deposits ?	$154.1M +11.3% YoY -3.2% QoQ	-$172.7M	$326.7M +0.7% YoY	$806.0M +5.9% YoY	$4.9B +7.3% YoY	23%
Return on Assets ?	0.77% +0.0% YoY +17.0% QoQ	-0.55%	1.32% +10.8% YoY	1.18% +20.1% YoY	1.30% +12.1% YoY	22%
Net Interest Margin ?	3.25% +11.1% YoY +2.2% QoQ	-0.74%	3.99% +5.0% YoY	4.06% +4.7% YoY	3.95% +4.9% YoY	18%
Efficiency Ratio ?	72.47% +1.6% YoY -3.6% QoQ	+7.99%	64.48% -3.2% YoY	65.90% -5.4% YoY	70.05% +2.5% YoY	25%
Delinquency Rate ?	0.71% +905.4% YoY +415.8% QoQ	-0.21%	0.92% +15.7% YoY	0.85% +32.2% YoY	0.98% +16.3% YoY	37%
Loan-to-Deposit Ratio ?	59.82% -2.3% YoY +1.9% QoQ	-18.13%	77.95% +1.0% YoY	80.02% +3.0% YoY	79.03% +2.3% YoY	83%
Non-Interest-Bearing Deposit Share ?	7.50% -16.7% YoY +13.9% QoQ	-14.53%	22.03% -0.6% YoY	25.55% -0.4% YoY	21.98% -0.6% YoY	Bottom 6.2% in tier
Nonperforming Asset Ratio ?	0.37% +91.9% YoY +421.5% QoQ	-0.30%	0.67% +16.4% YoY	0.65% +27.6% YoY	0.69% +15.8% YoY	46%
Tier 1 Capital Ratio ?	9.64% -5.8% YoY +1.9% QoQ	-6.27%	15.91% +1.4% YoY	20.80% -0.9% YoY	17.09% +0.8% YoY	Bottom 6.4% in tier
Non-Interest Income / Assets ?	0.12% -45.4% YoY +111.9% QoQ	-0.44%	0.57% +7.6% YoY	0.38% +3.3% YoY	0.66% +5.2% YoY	26%

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	7.5% -1.5pp YoY +0.9pp QoQ	-14.6pp	22.1%	25.9%	22.2%	6%
Brokered Deposits	11.7% +0.4pp QoQ	+3.8pp	7.9%	12.3%	8.5%	79%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
C&I	9.9% -0.8pp YoY -1.2pp QoQ	-1.7pp	11.6%	12.8%	12.5%	52%
CRE	n/a	n/a	39.5%	45.9%	41.4%	n/a
1-4 Family	44.7% -1.8pp YoY +2.5pp QoQ	+12.1pp	32.6%	33.6%	31.3%	77%
Consumer	7.2% -1.2pp YoY +0.6pp QoQ	+3.1pp	4.1%	4.6%	5.0%	86%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	26.9%	19.7%	n/a
Leverage Ratio	9.6% -0.6pp YoY +0.2pp QoQ	-2.5pp	12.2%	12.3%	12.6%	24%
Total Capital Ratio	n/a	n/a	19.9%	27.9%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Full-Time Employees	24 -1 (-4.0%) YoY -2 (-7.7%) QoQ	-35	58	134	482	17%
Assets per Employee ($)	$7.4M +12.0% YoY +5.6% QoQ	-$93K	$7.5M	$6.8M	$8.8M	60%
Branch Count	3 0 YoY 0 QoQ	-2	4	9	18	26%

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	0.7% +0.6pp YoY +0.6pp QoQ	-0.2pp	0.9%	0.8%	1.0%	63%
Allowance Coverage	1.52x -90.0% YoY -79.9% QoQ	-22.63x	24.15x	6.79x	20.23x	40%
Net Charge-off Rate (YTD)	0.0% -0.2pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	40%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
ROE	9.9% -0.7pp YoY +1.3pp QoQ	-2.3pp	12.2%	11.7%	11.6%	36%
Cost of Funds (YTD)	1.8% +0.1pp YoY 0.0pp QoQ	+0.1pp	1.7%	1.5%	1.7%	59%
Net Income ($, YTD)	$699,000 +9.0% YoY — QoQ	-$1.9M	$2.6M	$7.3M	$40.4M	16%

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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 (1)

Capital Thin

risk

#323 of 661 • Bottom 48.7% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.64%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (1 metrics)

449

Loan-to-Deposit Ratio

liquidity

Value: 59.82%

Peer Median: 77.95%

#449 of 2643 Top 17.0% in $100M-$1B

Top Weaknesses (8 metrics)

2481

Non-Interest-Bearing Deposit Share

funding

Value: 7.50%

Peer Median: 22.03%

#2481 of 2643 Bottom 6.2% in $100M-$1B

2475

Tier 1 Capital Ratio

capital

Value: 9.64%

Peer Median: 15.91%

#2475 of 2643 Bottom 6.4% in $100M-$1B

2232

Total Loans

size

Value: $92.17M

Peer Median: $258.35M

#2232 of 2643 Bottom 15.6% in $100M-$1B

2179

Net Interest Margin

profitability

Value: 3.25%

Peer Median: 3.99%

#2179 of 2643 Bottom 17.6% in $100M-$1B

2088

Total Assets

size

Value: $178.21M

Peer Median: $386.57M

#2088 of 2643 Bottom 21.0% in $100M-$1B

2066

Return on Assets

profitability

Value: 0.77%

Peer Median: 1.32%

#2066 of 2643 Bottom 21.9% in $100M-$1B

2049

Total Deposits

size

Value: $154.06M

Peer Median: $326.73M

#2049 of 2643 Bottom 22.5% in $100M-$1B

1989

Efficiency Ratio

profitability

Value: 72.47%

Peer Median: 64.48%

#1989 of 2643 Bottom 24.8% in $100M-$1B