BlastPoint's Banking Scorecard
Chelsea State Bank
Chelsea, MI
4 branches across MI
Chelsea State Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 12.8% in tier
- - Cost Spiral: Bottom 87.3% in tier
- - Delinquency Rate 0.37% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$422.3M
+2.0% YoY
+2.0% QoQ
|
+$36.3M |
$386.1M
+0.5% YoY
|
$993.6M
+8.4% YoY
|
$6.2B
+9.1% YoY
|
64% |
| Total Loans ? |
$252.6M
-2.1% YoY
+1.7% QoQ
|
-$3.1M |
$255.7M
+1.1% YoY
|
$752.3M
+12.4% YoY
|
$3.2B
+10.8% YoY
|
60% |
| Total Deposits ? |
$373.1M
+1.8% YoY
+2.8% QoQ
|
+$45.2M |
$328.0M
+0.1% YoY
|
$797.0M
+7.4% YoY
|
$4.8B
+8.2% YoY
|
66% |
| Return on Assets ? |
1.29%
-27.9% YoY
-29.0% QoQ
|
+0.02% |
1.27%
+12.9% YoY
|
1.15%
+25.2% YoY
|
1.23%
+13.4% YoY
|
55% |
| Net Interest Margin ? |
3.94%
-5.3% YoY
-8.3% QoQ
|
+0.01% |
3.93%
+6.0% YoY
|
3.99%
+5.8% YoY
|
3.89%
+5.7% YoY
|
54% |
| Efficiency Ratio ? |
66.45%
+17.3% YoY
+12.4% QoQ
|
+1.17% |
65.29%
-4.5% YoY
|
66.95%
-6.2% YoY
|
66.95%
-4.1% YoY
|
41% |
| Delinquency Rate ? |
1.25%
-2.0% QoQ
|
+0.37% |
0.89%
+18.8% YoY
|
0.77%
+21.7% YoY
|
0.95%
+18.8% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
67.69%
-3.8% YoY
-1.1% QoQ
|
-8.95% |
76.64%
+0.8% YoY
|
78.66%
+4.9% YoY
|
76.70%
+0.9% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
28.68%
-1.0% YoY
-1.1% QoQ
|
+6.66% |
22.02%
-1.0% YoY
|
24.69%
-2.1% YoY
|
22.01%
-1.2% YoY
|
79% |
| Nonperforming Asset Ratio ? |
0.89%
+341.4% YoY
-2.3% QoQ
|
+0.25% |
0.64%
+19.7% YoY
|
0.58%
+27.6% YoY
|
0.67%
+19.3% YoY
|
23% |
| Tier 1 Capital Ratio ? |
18.70%
+3.4% YoY
-3.5% QoQ
|
+2.87% |
15.83%
+1.5% YoY
|
20.91%
+0.5% YoY
|
17.06%
+0.8% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.07%
+17.0% YoY
-75.5% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.19%
+5.8% YoY
|
0.32%
+4.1% YoY
|
34% |
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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 (2)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.