BlastPoint's Banking Scorecard
Peoples State Bank of Munising
Munising, MI
5 branches across MI
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 23.0% in tier
- - Delinquency Rate 2.77% above tier average
- - Nonperforming Asset Ratio 1.47% above tier average
- - ROA 0.85% below tier average
- - Net Interest Margin 0.66% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$188.1M
-6.7% YoY
+3.2% QoQ
|
-$197.9M |
$386.1M
+0.5% YoY
|
$993.6M
+8.4% YoY
|
$6.2B
+9.1% YoY
|
24% |
| Total Loans ? |
$108.6M
-3.9% YoY
+3.6% QoQ
|
-$147.1M |
$255.7M
+1.1% YoY
|
$752.3M
+12.4% YoY
|
$3.2B
+10.8% YoY
|
22% |
| Total Deposits ? |
$143.3M
-6.4% YoY
+2.9% QoQ
|
-$184.7M |
$328.0M
+0.1% YoY
|
$797.0M
+7.4% YoY
|
$4.8B
+8.2% YoY
|
19% |
| Return on Assets ? |
0.42%
-15.9% YoY
-40.3% QoQ
|
-0.85% |
1.27%
+12.9% YoY
|
1.15%
+25.2% YoY
|
1.23%
+13.4% YoY
|
Bottom 11.2% in tier |
| Net Interest Margin ? |
3.27%
+9.8% YoY
+0.9% QoQ
|
-0.66% |
3.93%
+6.0% YoY
|
3.99%
+5.8% YoY
|
3.89%
+5.7% YoY
|
20% |
| Efficiency Ratio ? |
83.77%
+6.2% YoY
+14.2% QoQ
|
+18.48% |
65.29%
-4.5% YoY
|
66.95%
-6.2% YoY
|
66.95%
-4.1% YoY
|
Bottom 11.3% in tier |
| Delinquency Rate ? |
3.66%
+186.9% YoY
+7.4% QoQ
|
+2.77% |
0.89%
+18.8% YoY
|
0.77%
+21.7% YoY
|
0.95%
+18.8% YoY
|
Bottom 3.9% in tier |
| Loan-to-Deposit Ratio ? |
75.80%
+2.6% YoY
+0.7% QoQ
|
-0.84% |
76.64%
+0.8% YoY
|
78.66%
+4.9% YoY
|
76.70%
+0.9% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
32.44%
+12.9% YoY
+2.1% QoQ
|
+10.42% |
22.02%
-1.0% YoY
|
24.69%
-2.1% YoY
|
22.01%
-1.2% YoY
|
Top 13.4% in tier |
| Nonperforming Asset Ratio ? |
2.11%
+195.6% YoY
+7.8% QoQ
|
+1.47% |
0.64%
+19.7% YoY
|
0.58%
+27.6% YoY
|
0.67%
+19.3% YoY
|
Bottom 6.0% in tier |
| Tier 1 Capital Ratio ? |
12.64%
+15.6% YoY
+10.0% QoQ
|
-3.19% |
15.83%
+1.5% YoY
|
20.91%
+0.5% YoY
|
17.06%
+0.8% YoY
|
43% |
| Non-Interest Income / Assets ? |
0.11%
+4.2% YoY
-82.9% QoQ
|
-0.17% |
0.28%
+9.3% YoY
|
0.19%
+5.8% YoY
|
0.32%
+4.1% YoY
|
58% |
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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.