BlastPoint's Banking Scorecard
Sidney State Bank
Sidney, MI
3 branches across MI
Sidney State Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 28.1% in tier
- + Net Interest Margin 1.22% above tier average
- + Efficiency Ratio 15.37% below tier average
- + Delinquency Rate 0.87% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 5.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$143.2M
-0.7% YoY
+1.8% QoQ
|
-$242.9M |
$386.1M
+0.5% YoY
|
$993.6M
+8.4% YoY
|
$6.2B
+9.1% YoY
|
Bottom 12.3% in tier |
| Total Loans ? |
$93.5M
+1.4% YoY
+0.2% QoQ
|
-$162.2M |
$255.7M
+1.1% YoY
|
$752.3M
+12.4% YoY
|
$3.2B
+10.8% YoY
|
17% |
| Total Deposits ? |
$127.9M
-2.1% YoY
+1.9% QoQ
|
-$200.1M |
$328.0M
+0.1% YoY
|
$797.0M
+7.4% YoY
|
$4.8B
+8.2% YoY
|
Bottom 14.6% in tier |
| Return on Assets ? |
1.94%
+36.7% YoY
+13.6% QoQ
|
+0.67% |
1.27%
+12.9% YoY
|
1.15%
+25.2% YoY
|
1.23%
+13.4% YoY
|
Top 14.1% in tier |
| Net Interest Margin ? |
5.15%
+19.6% YoY
+10.2% QoQ
|
+1.22% |
3.93%
+6.0% YoY
|
3.99%
+5.8% YoY
|
3.89%
+5.7% YoY
|
Top 5.3% in tier |
| Efficiency Ratio ? |
49.92%
-13.8% YoY
-4.4% QoQ
|
-15.37% |
65.29%
-4.5% YoY
|
66.95%
-6.2% YoY
|
66.95%
-4.1% YoY
|
84% |
| Delinquency Rate ? |
0.01%
-58.7% YoY
-80.3% QoQ
|
-0.87% |
0.89%
+18.8% YoY
|
0.77%
+21.7% YoY
|
0.95%
+18.8% YoY
|
Top 14.7% in tier |
| Loan-to-Deposit Ratio ? |
73.12%
+3.6% YoY
-1.7% QoQ
|
-3.52% |
76.64%
+0.8% YoY
|
78.66%
+4.9% YoY
|
76.70%
+0.9% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
14.22%
+14.4% YoY
-1.3% QoQ
|
-7.80% |
22.02%
-1.0% YoY
|
24.69%
-2.1% YoY
|
22.01%
-1.2% YoY
|
21% |
| Nonperforming Asset Ratio ? |
0.08%
-19.7% YoY
-34.5% QoQ
|
-0.56% |
0.64%
+19.7% YoY
|
0.58%
+27.6% YoY
|
0.67%
+19.3% YoY
|
73% |
| Tier 1 Capital Ratio ? |
9.30%
-40.5% YoY
+0.3% QoQ
|
-6.53% |
15.83%
+1.5% YoY
|
20.91%
+0.5% YoY
|
17.06%
+0.8% YoY
|
Bottom 2.4% in tier |
| Non-Interest Income / Assets ? |
0.07%
+16.3% YoY
-76.0% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.19%
+5.8% YoY
|
0.32%
+4.1% YoY
|
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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
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.