BlastPoint's Banking Scorecard
First State Bank
Designations: ✓ Community bank
Eastpointe, MI
11 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 885 banks in the $1B-$10B peer group nationwide — 1 of 18 in MI.
- Deposits +3.9% year over year ($1.2B on the books).
- Delinquency rate 0.82%.
- Return on assets 1.24%.
- Efficiency ratio 62.82% vs a 59.73% peer average.
- Loan-to-deposit ratio 85.76% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First State Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 20.7% in tier
- - ROA 0.16% below tier average
- - Net Interest Margin 0.17% below tier average
- - Efficiency Ratio 3.10% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+4.6% YoY
+0.0% QoQ
|
-$1.4B |
$2.8B
-0.6% YoY
|
$1.0B
+6.5% YoY
|
$6.3B
+7.7% YoY
|
26% |
| Total Loans ? |
$1.0B
+16.1% YoY
+3.3% QoQ
|
-$921.8M |
$2.0B
-0.3% YoY
|
$767.2M
+9.2% YoY
|
$3.2B
+9.4% YoY
|
34% |
| Total Deposits ? |
$1.2B
+3.9% YoY
-0.2% QoQ
|
-$1.1B |
$2.3B
-0.5% YoY
|
$806.0M
+5.9% YoY
|
$4.9B
+7.3% YoY
|
32% |
| Return on Assets ? |
1.24%
+15.9% YoY
+2.6% QoQ
|
-0.16% |
1.39%
+17.0% YoY
|
1.18%
+20.1% YoY
|
1.30%
+12.1% YoY
|
48% |
| Net Interest Margin ? |
3.71%
+9.0% YoY
+2.0% QoQ
|
-0.17% |
3.87%
+6.2% YoY
|
4.06%
+4.7% YoY
|
3.95%
+4.9% YoY
|
50% |
| Efficiency Ratio ? |
62.82%
-6.0% YoY
-0.5% QoQ
|
+3.10% |
59.73%
-12.6% YoY
|
65.90%
-5.4% YoY
|
70.05%
+2.5% YoY
|
38% |
| Delinquency Rate ? |
0.82%
+81.3% YoY
+0.5% QoQ
|
-0.05% |
0.87%
+11.7% YoY
|
0.85%
+32.2% YoY
|
0.98%
+16.3% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
85.76%
+11.7% YoY
+3.5% QoQ
|
+0.73% |
85.04%
-0.1% YoY
|
80.02%
+3.0% YoY
|
79.03%
+2.3% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
16.14%
-3.0% YoY
+5.5% QoQ
|
-5.13% |
21.27%
-1.5% YoY
|
25.55%
-0.4% YoY
|
21.98%
-0.6% YoY
|
32% |
| Nonperforming Asset Ratio ? |
0.66%
+84.7% YoY
+8.6% QoQ
|
-0.01% |
0.67%
+11.7% YoY
|
0.65%
+27.6% YoY
|
0.69%
+15.8% YoY
|
34% |
| Tier 1 Capital Ratio ? |
10.01%
+5.4% YoY
+2.4% QoQ
|
-4.83% |
14.84%
-0.4% YoY
|
20.80%
-0.9% YoY
|
17.09%
+0.8% YoY
|
Bottom 5.6% in tier |
| Non-Interest Income / Assets ? |
0.43%
+5.2% YoY
+113.4% QoQ
|
-0.10% |
0.53%
+2.5% YoY
|
0.38%
+3.3% YoY
|
0.66%
+5.2% YoY
|
73% |
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 |
16.1%
-0.5pp YoY +0.8pp QoQ |
-5.2pp | 21.4% | 25.9% | 22.2% | 31% |
| Brokered Deposits | n/a | n/a | 9.5% | 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 |
13.8%
+0.5pp YoY +0.2pp QoQ |
-0.2pp | 14.0% | 12.8% | 12.5% | 63% |
| CRE |
45.5%
+0.7pp YoY +0.1pp QoQ |
-4.5pp | 50.0% | 45.9% | 41.4% | 37% |
| 1-4 Family |
37.5%
-5.2pp YoY +0.2pp QoQ |
+11.0pp | 26.4% | 33.6% | 31.3% | 78% |
| Consumer |
0.2%
-0.1pp YoY 0.0pp QoQ |
-4.5pp | 4.7% | 4.6% | 5.0% | 21% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 26.9% | 19.7% | n/a |
| Leverage Ratio |
10.0%
+0.5pp YoY +0.2pp QoQ |
-1.3pp | 11.3% | 12.3% | 12.6% | 37% |
| Total Capital Ratio | n/a | n/a | 16.7% | 27.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
184
0 YoY -7 (-3.7%) QoQ |
-130 | 313 | 134 | 482 | 35% |
| Assets per Employee ($) |
$7.3M
+4.6% YoY +3.8% QoQ |
-$3.1M | $10.5M | $6.8M | $8.8M | 28% |
| Branch Count |
11
0 YoY 0 QoQ |
-9 | 20 | 9 | 18 | 35% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.8%
+0.4pp YoY 0.0pp QoQ |
0.0pp | 0.8% | 0.8% | 1.0% | 68% |
| Allowance Coverage |
1.59x
-51.5% YoY -3.8% QoQ |
-17.12x | 18.71x | 6.79x | 20.23x | 40% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.3% | 0.1% | 0.2% | 72% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.0%
+0.8pp YoY +0.2pp QoQ |
+0.4pp | 12.6% | 11.7% | 11.6% | 56% |
| Cost of Funds (YTD) |
2.0%
-0.1pp YoY 0.0pp QoQ |
+0.1pp | 1.9% | 1.5% | 1.7% | 58% |
| Net Income ($, YTD) |
$8.3M
+20.5% YoY — QoQ |
-$11.0M | $19.2M | $7.3M | $40.4M | 31% |
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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 (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.