BlastPoint's Banking Scorecard
First Bank, Upper Michigan
Gladstone, MI
9 branches across MI
First Bank, Upper Michigan has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 18.8% in tier
- + ROA 0.68% above tier average
- + Net Interest Margin 0.39% above tier average
- + Efficiency Ratio 6.13% below tier average
- + Delinquency Rate 0.36% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 33.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$632.1M
+2.9% YoY
-0.1% QoQ
|
+$246.0M |
$386.1M
+0.5% YoY
|
$993.6M
+8.4% YoY
|
$6.2B
+9.1% YoY
|
83% |
| Total Loans ? |
$440.7M
+4.1% YoY
-0.0% QoQ
|
+$184.9M |
$255.7M
+1.1% YoY
|
$752.3M
+12.4% YoY
|
$3.2B
+10.8% YoY
|
84% |
| Total Deposits ? |
$532.1M
+3.4% YoY
+1.5% QoQ
|
+$204.2M |
$328.0M
+0.1% YoY
|
$797.0M
+7.4% YoY
|
$4.8B
+8.2% YoY
|
82% |
| Return on Assets ? |
1.95%
+16.5% YoY
+3.2% QoQ
|
+0.68% |
1.27%
+12.9% YoY
|
1.15%
+25.2% YoY
|
1.23%
+13.4% YoY
|
Top 13.7% in tier |
| Net Interest Margin ? |
4.32%
+7.4% YoY
+3.2% QoQ
|
+0.39% |
3.93%
+6.0% YoY
|
3.99%
+5.8% YoY
|
3.89%
+5.7% YoY
|
74% |
| Efficiency Ratio ? |
59.15%
-3.3% YoY
+0.6% QoQ
|
-6.13% |
65.29%
-4.5% YoY
|
66.95%
-6.2% YoY
|
66.95%
-4.1% YoY
|
63% |
| Delinquency Rate ? |
0.52%
-24.5% YoY
-5.6% QoQ
|
-0.36% |
0.89%
+18.8% YoY
|
0.77%
+21.7% YoY
|
0.95%
+18.8% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
82.81%
+0.7% YoY
-1.5% QoQ
|
+6.17% |
76.64%
+0.8% YoY
|
78.66%
+4.9% YoY
|
76.70%
+0.9% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
17.43%
-18.6% YoY
-7.2% QoQ
|
-4.59% |
22.02%
-1.0% YoY
|
24.69%
-2.1% YoY
|
22.01%
-1.2% YoY
|
34% |
| Nonperforming Asset Ratio ? |
0.37%
-24.5% YoY
-3.5% QoQ
|
-0.27% |
0.64%
+19.7% YoY
|
0.58%
+27.6% YoY
|
0.67%
+19.3% YoY
|
45% |
| Tier 1 Capital Ratio ? |
16.11%
+6.2% YoY
+2.2% QoQ
|
+0.28% |
15.83%
+1.5% YoY
|
20.91%
+0.5% YoY
|
17.06%
+0.8% YoY
|
73% |
| Non-Interest Income / Assets ? |
0.30%
+9.5% YoY
-74.2% QoQ
|
+0.02% |
0.28%
+9.3% YoY
|
0.19%
+5.8% YoY
|
0.32%
+4.1% YoY
|
Top 6.5% in tier |
Get Full Access to First Bank, Upper Michigan
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (1)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.