BlastPoint's Banking Scorecard

First National Bank of America

$1B-$10B Specialty: Mortgage MI FDIC cert 17438

East Lansing, 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 885 banks in the $1B-$10B peer group nationwide — 1 of 18 in MI.
Deposits +3.7% year over year ($3.9B on the books).
Delinquency rate 1.92%.
Return on assets 2.79%.
Efficiency ratio 26.64% vs a 59.73% peer average.
Loan-to-deposit ratio 160.07% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 18 in MI

View $1B-$10B leaderboard (MI) →

First National Bank of America has 3 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Return on Assets 1.40% above tier average
+ Net Interest Margin 0.99% above tier average
+ Efficiency Ratio 33.09% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 24.6% in tier
- Loan-to-Deposit Ratio 75.04% above tier average
- Non-Interest-Bearing Deposit Share 18.47% below tier average
- Nonperforming Asset Ratio 1.19% above tier average
- Non-Interest Income / Assets 0.43% below tier average

Get updates when First National Bank of America releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Total Assets ?	$6.8B +6.0% YoY +0.8% QoQ	+$4.0B	$2.8B -0.6% YoY	$1.0B +6.5% YoY	$6.3B +7.7% YoY	Top 7.1% in tier
Total Loans ?	$6.2B +5.2% YoY +0.6% QoQ	+$4.2B	$2.0B -0.3% YoY	$767.2M +9.2% YoY	$3.2B +9.4% YoY	Top 2.9% in tier
Total Deposits ?	$3.9B +3.7% YoY +1.1% QoQ	+$1.6B	$2.3B -0.5% YoY	$806.0M +5.9% YoY	$4.9B +7.3% YoY	85%
Return on Assets ?	2.79% -7.6% YoY +2.9% QoQ	+1.40%	1.39% +17.0% YoY	1.18% +20.1% YoY	1.30% +12.1% YoY	Top 2.7% in tier
Net Interest Margin ?	4.86% +0.1% YoY +0.7% QoQ	+0.99%	3.87% +6.2% YoY	4.06% +4.7% YoY	3.95% +4.9% YoY	Top 6.9% in tier
Efficiency Ratio ?	26.64% +8.3% YoY -1.3% QoQ	-33.09%	59.73% -12.6% YoY	65.90% -5.4% YoY	70.05% +2.5% YoY	Top 1.2% in tier
Delinquency Rate ?	1.92% +8.0% YoY +1.0% QoQ	+1.05%	0.87% +11.7% YoY	0.85% +32.2% YoY	0.98% +16.3% YoY	Bottom 9.6% in tier
Loan-to-Deposit Ratio ?	160.07% +1.4% YoY -0.6% QoQ	+75.04%	85.04% -0.1% YoY	80.02% +3.0% YoY	79.03% +2.3% YoY	Bottom 0.3% in tier
Non-Interest-Bearing Deposit Share ?	2.80% -1.7% YoY +19.3% QoQ	-18.47%	21.27% -1.5% YoY	25.55% -0.4% YoY	21.98% -0.6% YoY	Bottom 2.5% in tier
Nonperforming Asset Ratio ?	1.87% +9.8% YoY +1.2% QoQ	+1.19%	0.67% +11.7% YoY	0.65% +27.6% YoY	0.69% +15.8% YoY	Bottom 6.7% in tier
Tier 1 Capital Ratio ?	15.28% -1.4% YoY +0.7% QoQ	+0.44%	14.84% -0.4% YoY	20.80% -0.9% YoY	17.09% +0.8% YoY	76%
Non-Interest Income / Assets ?	0.09% -55.4% YoY +249.7% QoQ	-0.43%	0.53% +2.5% YoY	0.38% +3.3% YoY	0.66% +5.2% YoY	Bottom 9.0% in tier

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	2.8% 0.0pp YoY +0.5pp QoQ	-18.6pp	21.4%	25.9%	22.2%	2%
Brokered Deposits	43.4% -1.3pp YoY -1.5pp QoQ	+33.9pp	9.5%	12.3%	8.5%	97%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
C&I	0.0% 0.0pp YoY 0.0pp QoQ	-14.0pp	14.0%	12.8%	12.5%	0%
CRE	6.5% +0.7pp YoY +0.3pp QoQ	-43.5pp	50.0%	45.9%	41.4%	1%
1-4 Family	94.2% -0.7pp YoY -0.3pp QoQ	+67.8pp	26.4%	33.6%	31.3%	99%
Consumer	0.0% 0.0pp YoY 0.0pp QoQ	-4.7pp	4.7%	4.6%	5.0%	4%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
CET1 Ratio	15.3% -0.2pp YoY +0.1pp QoQ	-0.3pp	15.6%	26.9%	19.7%	72%
Leverage Ratio	8.1% -0.1pp YoY +0.1pp QoQ	-3.2pp	11.3%	12.3%	12.6%	2%
Total Capital Ratio	16.5% -0.2pp YoY +0.1pp QoQ	-0.2pp	16.7%	27.9%	20.8%	73%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Full-Time Employees	412 +28 (+7.3%) YoY +17 (+4.3%) QoQ	+98	313	134	482	78%
Assets per Employee ($)	$16.6M -1.2% YoY -3.3% QoQ	+$6.1M	$10.5M	$6.8M	$8.8M	92%
Branch Count	3 0 YoY 0 QoQ	-17	20	9	18	8%

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	1.9% +0.1pp YoY 0.0pp QoQ	+1.1pp	0.8%	0.8%	1.0%	92%
Allowance Coverage	0.58x -8.1% YoY -1.4% QoQ	-18.13x	18.71x	6.79x	20.23x	8%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	35%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
ROE	34.7% -2.3pp YoY +0.9pp QoQ	+22.1pp	12.6%	11.7%	11.6%	98%
Cost of Funds (YTD)	3.6% 0.0pp YoY 0.0pp QoQ	+1.7pp	1.9%	1.5%	1.7%	99%
Net Income ($, YTD)	$94.2M -2.0% YoY — QoQ	+$75.0M	$19.2M	$7.3M	$40.4M	99%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Risk Growth

risk

#100 of 402 • Bottom 24.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (7 metrics)

Efficiency Ratio

profitability

Value: 26.64%

Peer Median: 59.73%

#12 of 885 Top 1.2% in $1B-$10B

Return on Assets

profitability

Value: 2.79%

Peer Median: 1.39%

#25 of 885 Top 2.7% in $1B-$10B

Total Loans

size

Value: $6.21B

Peer Median: $1.96B

#27 of 885 Top 2.9% in $1B-$10B

Net Interest Margin

profitability

Value: 4.86%

Peer Median: 3.87%

#62 of 885 Top 6.9% in $1B-$10B

Total Assets

size

Value: $6.82B

Peer Median: $2.79B

#64 of 885 Top 7.1% in $1B-$10B

136

Total Deposits

size

Value: $3.88B

Peer Median: $2.32B

#136 of 885 Top 15.3% in $1B-$10B

217

Tier 1 Capital Ratio

capital

Value: 15.28%

Peer Median: 14.84%

#217 of 885 Top 24.4% in $1B-$10B

Top Weaknesses (5 metrics)

883

Loan-to-Deposit Ratio

liquidity

Value: 160.07%

Peer Median: 85.04%

#883 of 885 Bottom 0.3% in $1B-$10B

864

Non-Interest-Bearing Deposit Share

funding

Value: 2.80%

Peer Median: 21.27%

#864 of 885 Bottom 2.5% in $1B-$10B

827

Nonperforming Asset Ratio

credit_quality

Value: 1.87%

Peer Median: 0.67%

#827 of 885 Bottom 6.7% in $1B-$10B

806

Non-Interest Income / Assets

revenue_mix

Value: 0.09%

Peer Median: 0.53%

#806 of 885 Bottom 9.0% in $1B-$10B

798

Delinquency Rate

credit_quality

Value: 1.92%

Peer Median: 0.87%

#798 of 882 Bottom 9.6% in $1B-$10B