BlastPoint's Banking Scorecard
Peoples State Bank of Munising
Munising, MI
5 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 -5.2% year over year ($142.0M on the books).
- Delinquency rate 3.46%.
- Return on assets 0.43%.
- Efficiency ratio 83.64% vs a 64.48% peer average.
- Loan-to-deposit ratio 76.41% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Peoples State Bank of Munising faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 21.3% in tier
- - Delinquency Rate 2.55% above tier average
- - Nonperforming Asset Ratio 1.31% above tier average
- - ROA 0.89% below tier average
- - Net Interest Margin 0.63% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$190.4M
-4.1% YoY
+1.2% QoQ
|
-$196.2M |
$386.6M
+1.2% YoY
|
$1.0B
+6.5% YoY
|
$6.3B
+7.7% YoY
|
24% |
| Total Loans ? |
$108.5M
-3.3% YoY
-0.1% QoQ
|
-$149.8M |
$258.3M
+1.7% YoY
|
$767.2M
+9.2% YoY
|
$3.2B
+9.4% YoY
|
22% |
| Total Deposits ? |
$142.0M
-5.2% YoY
-0.9% QoQ
|
-$184.7M |
$326.7M
+0.7% YoY
|
$806.0M
+5.9% YoY
|
$4.9B
+7.3% YoY
|
19% |
| Return on Assets ? |
0.43%
-17.5% YoY
+1.6% QoQ
|
-0.89% |
1.32%
+10.8% YoY
|
1.18%
+20.1% YoY
|
1.30%
+12.1% YoY
|
Bottom 10.6% in tier |
| Net Interest Margin ? |
3.36%
+11.2% YoY
+2.7% QoQ
|
-0.63% |
3.99%
+5.0% YoY
|
4.06%
+4.7% YoY
|
3.95%
+4.9% YoY
|
22% |
| Efficiency Ratio ? |
83.64%
+7.3% YoY
-0.1% QoQ
|
+19.16% |
64.48%
-3.2% YoY
|
65.90%
-5.4% YoY
|
70.05%
+2.5% YoY
|
Bottom 10.3% in tier |
| Delinquency Rate ? |
3.46%
+164.8% YoY
-5.4% QoQ
|
+2.55% |
0.92%
+15.7% YoY
|
0.85%
+32.2% YoY
|
0.98%
+16.3% YoY
|
Bottom 4.9% in tier |
| Loan-to-Deposit Ratio ? |
76.41%
+2.0% YoY
+0.8% QoQ
|
-1.54% |
77.95%
+1.0% YoY
|
80.02%
+3.0% YoY
|
79.03%
+2.3% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
33.82%
+11.3% YoY
+4.3% QoQ
|
+11.79% |
22.03%
-0.6% YoY
|
25.55%
-0.4% YoY
|
21.98%
-0.6% YoY
|
Top 11.1% in tier |
| Nonperforming Asset Ratio ? |
1.97%
+167.0% YoY
-6.5% QoQ
|
+1.31% |
0.67%
+16.4% YoY
|
0.65%
+27.6% YoY
|
0.69%
+15.8% YoY
|
Bottom 7.3% in tier |
| Tier 1 Capital Ratio ? |
12.75%
+10.5% YoY
+0.9% QoQ
|
-3.16% |
15.91%
+1.4% YoY
|
20.80%
-0.9% YoY
|
17.09%
+0.8% YoY
|
44% |
| Non-Interest Income / Assets ? |
0.22%
+4.0% YoY
+103.4% QoQ
|
-0.34% |
0.57%
+7.6% YoY
|
0.38%
+3.3% YoY
|
0.66%
+5.2% YoY
|
57% |
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 |
33.8%
+3.4pp YoY +1.4pp QoQ |
+11.7pp | 22.1% | 25.9% | 22.2% | 89% |
| Brokered Deposits | n/a | n/a | 7.9% | 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 |
15.0%
+0.1pp YoY -0.9pp QoQ |
+3.5pp | 11.6% | 12.8% | 12.5% | 76% |
| CRE | n/a | n/a | 39.5% | 45.9% | 41.4% | n/a |
| 1-4 Family |
18.0%
+1.0pp YoY -0.2pp QoQ |
-14.6pp | 32.6% | 33.6% | 31.3% | 26% |
| Consumer |
3.6%
-0.5pp YoY +0.1pp QoQ |
-0.5pp | 4.1% | 4.6% | 5.0% | 66% |
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 |
12.7%
+1.2pp YoY +0.1pp QoQ |
+0.6pp | 12.2% | 12.3% | 12.6% | 73% |
| 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 |
35
0 YoY -1 (-2.8%) QoQ |
-24 | 58 | 134 | 482 | 35% |
| Assets per Employee ($) |
$5.4M
-4.1% YoY +4.1% QoQ |
-$2.1M | $7.5M | $6.8M | $8.8M | 21% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 9 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
+0.1pp YoY -0.2pp QoQ |
-0.2pp | 0.3% | 0.2% | 0.4% | 58% |
| Nonaccrual |
3.3%
+2.0pp YoY 0.0pp QoQ |
+2.4pp | 0.9% | 0.8% | 1.0% | 95% |
| Allowance Coverage |
0.59x
-61.7% YoY +5.8% QoQ |
-23.56x | 24.15x | 6.79x | 20.23x | 13% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 61% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
3.6%
-1.6pp YoY +0.1pp QoQ |
-8.6pp | 12.2% | 11.7% | 11.6% | 10% |
| Cost of Funds (YTD) |
1.4%
-0.2pp YoY 0.0pp QoQ |
-0.4pp | 1.7% | 1.5% | 1.7% | 27% |
| Net Income ($, YTD) |
$402,000
-23.0% YoY — QoQ |
-$2.2M | $2.6M | $7.3M | $40.4M | 9% |
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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)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.