BlastPoint's Banking Scorecard

First National Bank of America

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

East Lansing, MI

3 branches across MI

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

First National Bank of America has 3 strengths but faces 6 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 1.34% above tier average
+ Net Interest Margin 1.00% above tier average
+ Efficiency Ratio 34.07% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 42.4% in tier
- Margin Compression: Bottom 70.2% in tier
- Loan-to-Deposit Ratio 76.80% above tier average
- Non-Interest-Bearing Deposit Share 18.94% below tier average
- Nonperforming Asset Ratio 1.17% above tier average
- Non-Interest Income / Assets 0.23% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Total Assets ?	$6.8B +6.0% YoY +0.9% QoQ	+$3.9B	$2.8B -0.1% YoY	$993.6M +8.4% YoY	$6.2B +9.1% YoY	Top 8.3% in tier
Total Loans ?	$6.2B +6.7% YoY +0.5% QoQ	+$4.2B	$2.0B +0.6% YoY	$752.3M +12.4% YoY	$3.2B +10.8% YoY	Top 3.3% in tier
Total Deposits ?	$3.8B +2.7% YoY -0.0% QoQ	+$1.5B	$2.3B -0.3% YoY	$797.0M +7.4% YoY	$4.8B +8.2% YoY	84%
Return on Assets ?	2.71% -17.0% YoY -7.7% QoQ	+1.34%	1.37% +19.6% YoY	1.15% +25.2% YoY	1.23% +13.4% YoY	Top 2.9% in tier
Net Interest Margin ?	4.82% -0.8% YoY -0.8% QoQ	+1.00%	3.82% +6.9% YoY	3.99% +5.8% YoY	3.89% +5.7% YoY	Top 7.1% in tier
Efficiency Ratio ?	26.99% +16.3% YoY +9.4% QoQ	-34.07%	61.06% -4.6% YoY	66.95% -6.2% YoY	66.95% -4.1% YoY	Top 1.0% in tier
Delinquency Rate ?	1.90% +15.9% YoY +3.0% QoQ	+1.01%	0.89% +14.1% YoY	0.77% +21.7% YoY	0.95% +18.8% YoY	Bottom 10.5% in tier
Loan-to-Deposit Ratio ?	161.00% +3.9% YoY +0.6% QoQ	+76.80%	84.20% +0.3% YoY	78.66% +4.9% YoY	76.70% +0.9% YoY	Bottom 0.3% in tier
Non-Interest-Bearing Deposit Share ?	2.35% -3.8% YoY +9.5% QoQ	-18.94%	21.29% -2.5% YoY	24.69% -2.1% YoY	22.01% -1.2% YoY	Bottom 2.1% in tier
Nonperforming Asset Ratio ?	1.85% +19.2% YoY +3.8% QoQ	+1.17%	0.67% +15.6% YoY	0.58% +27.6% YoY	0.67% +19.3% YoY	Bottom 7.5% in tier
Tier 1 Capital Ratio ?	15.17% -3.9% YoY +0.2% QoQ	+0.01%	15.16% +2.0% YoY	20.91% +0.5% YoY	17.06% +0.8% YoY	74%
Non-Interest Income / Assets ?	0.03% -84.3% YoY -90.7% QoQ	-0.23%	0.26% +1.6% YoY	0.19% +5.8% YoY	0.32% +4.1% YoY	Bottom 4.1% in tier

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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 (2)

Credit Risk Growth

risk

#179 of 420 • Bottom 42.4% in tier

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

420 of 420 Mid-Market banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Margin Compression

decline

#60 of 84 • Bottom 70.2% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 2.71%

(Tier: 1.37%, National: 1.23%)

better than tier avg

84 of 84 Mid-Market banks match · 407 nationally

↑ Growing +94 banks QoQ

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 884 peers in $1B-$10B

Top Strengths (6 metrics)

Efficiency Ratio

profitability

Value: 26.99%

Peer Median: 61.06%

#10 of 884 Top 1.0% in $1B-$10B

Return on Assets

profitability

Value: 2.71%

Peer Median: 1.37%

#27 of 884 Top 2.9% in $1B-$10B

Total Loans

size

Value: $6.17B

Peer Median: $1.96B

#30 of 884 Top 3.3% in $1B-$10B

Net Interest Margin

profitability

Value: 4.82%

Peer Median: 3.82%

#64 of 884 Top 7.1% in $1B-$10B

Total Assets

size

Value: $6.76B

Peer Median: $2.82B

#74 of 884 Top 8.3% in $1B-$10B

144

Total Deposits

size

Value: $3.84B

Peer Median: $2.34B

#144 of 884 Top 16.2% in $1B-$10B

Top Weaknesses (5 metrics)

882

Loan-to-Deposit Ratio

liquidity

Value: 161.00%

Peer Median: 84.20%

#882 of 884 Bottom 0.3% in $1B-$10B

866

Non-Interest-Bearing Deposit Share

funding

Value: 2.35%

Peer Median: 21.29%

#866 of 884 Bottom 2.1% in $1B-$10B

849

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.26%

#849 of 884 Bottom 4.1% in $1B-$10B

819

Nonperforming Asset Ratio

credit_quality

Value: 1.85%

Peer Median: 0.67%

#819 of 884 Bottom 7.5% in $1B-$10B

789

Delinquency Rate

credit_quality

Value: 1.90%

Peer Median: 0.89%

#789 of 880 Bottom 10.5% in $1B-$10B