BlastPoint's Banking Scorecard
Sidney State Bank
Sidney, MI
3 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 -6.8% year over year ($123.1M on the books).
- Delinquency rate 0.06%.
- Return on assets 1.93%.
- Efficiency ratio 50.72% vs a 64.48% peer average.
- Loan-to-deposit ratio 73.84% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Sidney State Bank has 4 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 4.7% in tier
- + Profitability Leader: Top 35.0% in tier
- + Net Interest Margin 1.12% above tier average
- + Efficiency Ratio 13.76% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 0.9% in tier
- - Credit Quality Pressure: Bottom 7.6% in tier
- - Deposit Outflow: Bottom 17.2% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$138.7M
-5.3% YoY
-3.2% QoQ
|
-$247.9M |
$386.6M
+1.2% YoY
|
$1.0B
+6.5% YoY
|
$6.3B
+7.7% YoY
|
Bottom 10.9% in tier |
| Total Loans ? |
$90.9M
-2.9% YoY
-2.8% QoQ
|
-$167.5M |
$258.3M
+1.7% YoY
|
$767.2M
+9.2% YoY
|
$3.2B
+9.4% YoY
|
15% |
| Total Deposits ? |
$123.1M
-6.8% YoY
-3.8% QoQ
|
-$203.7M |
$326.7M
+0.7% YoY
|
$806.0M
+5.9% YoY
|
$4.9B
+7.3% YoY
|
Bottom 13.0% in tier |
| Return on Assets ? |
1.93%
+24.7% YoY
-0.1% QoQ
|
+0.61% |
1.32%
+10.8% YoY
|
1.18%
+20.1% YoY
|
1.30%
+12.1% YoY
|
Top 14.8% in tier |
| Net Interest Margin ? |
5.10%
+13.8% YoY
-0.9% QoQ
|
+1.12% |
3.99%
+5.0% YoY
|
4.06%
+4.7% YoY
|
3.95%
+4.9% YoY
|
Top 6.7% in tier |
| Efficiency Ratio ? |
50.72%
-7.1% YoY
+1.6% QoQ
|
-13.76% |
64.48%
-3.2% YoY
|
65.90%
-5.4% YoY
|
70.05%
+2.5% YoY
|
82% |
| Delinquency Rate ? |
0.06%
+102.3% YoY
+335.3% QoQ
|
-0.86% |
0.92%
+15.7% YoY
|
0.85%
+32.2% YoY
|
0.98%
+16.3% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
73.84%
+4.2% YoY
+1.0% QoQ
|
-4.11% |
77.95%
+1.0% YoY
|
80.02%
+3.0% YoY
|
79.03%
+2.3% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
13.70%
-0.3% YoY
-3.6% QoQ
|
-8.33% |
22.03%
-0.6% YoY
|
25.55%
-0.4% YoY
|
21.98%
-0.6% YoY
|
20% |
| Nonperforming Asset Ratio ? |
0.11%
+16.0% YoY
+37.4% QoQ
|
-0.56% |
0.67%
+16.4% YoY
|
0.65%
+27.6% YoY
|
0.69%
+15.8% YoY
|
69% |
| Tier 1 Capital Ratio ? |
9.65%
-39.6% YoY
+3.8% QoQ
|
-6.26% |
15.91%
+1.4% YoY
|
20.80%
-0.9% YoY
|
17.09%
+0.8% YoY
|
Bottom 6.6% in tier |
| Non-Interest Income / Assets ? |
0.15%
+17.6% YoY
+120.4% QoQ
|
-0.42% |
0.57%
+7.6% YoY
|
0.38%
+3.3% YoY
|
0.66%
+5.2% YoY
|
35% |
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 |
13.7%
0.0pp YoY -0.5pp QoQ |
-8.4pp | 22.1% | 25.9% | 22.2% | 19% |
| Brokered Deposits |
0.3%
-1.2pp YoY 0.0pp QoQ |
-7.6pp | 7.9% | 12.3% | 8.5% | 9% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.7%
+0.3pp YoY -1.0pp QoQ |
-4.8pp | 11.6% | 12.8% | 12.5% | 31% |
| CRE |
21.5%
-0.2pp YoY -0.4pp QoQ |
-18.0pp | 39.5% | 45.9% | 41.4% | 21% |
| 1-4 Family |
62.4%
+1.3pp YoY +2.5pp QoQ |
+29.7pp | 32.6% | 33.6% | 31.3% | 91% |
| Consumer |
4.9%
-0.7pp YoY -0.2pp QoQ |
+0.8pp | 4.1% | 4.6% | 5.0% | 77% |
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 |
9.6%
+0.8pp YoY +0.3pp QoQ |
-2.5pp | 12.2% | 12.3% | 12.6% | 24% |
| 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 |
25
0 YoY 0 QoQ |
-34 | 58 | 134 | 482 | 19% |
| Assets per Employee ($) |
$5.5M
-5.3% YoY -3.2% QoQ |
-$2.0M | $7.5M | $6.8M | $8.8M | 24% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 9 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 0.8% | 1.0% | 13% |
| Allowance Coverage |
28.11x
-42.4% YoY -75.8% QoQ |
+3.96x | 24.15x | 6.79x | 20.23x | 91% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 14% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
20.4%
+1.8pp YoY -0.3pp QoQ |
+8.2pp | 12.2% | 11.7% | 11.6% | 89% |
| Cost of Funds (YTD) |
1.2%
-0.1pp YoY 0.0pp QoQ |
-0.5pp | 1.7% | 1.5% | 1.7% | 18% |
| Net Income ($, YTD) |
$1.4M
+25.0% YoY — QoQ |
-$1.2M | $2.6M | $7.3M | $40.4M | 38% |
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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 (2)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (3)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.