BlastPoint's Banking Scorecard
Commercial Bank
Ithaca, MI
11 branches across MI
Commercial Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.16% above tier average
- + Efficiency Ratio 3.20% below tier average
- + Delinquency Rate 0.67% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 42.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$564.4M
-1.0% YoY
+1.9% QoQ
|
+$178.3M |
$386.1M
+0.5% YoY
|
$993.6M
+8.4% YoY
|
$6.2B
+9.1% YoY
|
78% |
| Total Loans ? |
$361.0M
-6.7% YoY
-1.9% QoQ
|
+$105.3M |
$255.7M
+1.1% YoY
|
$752.3M
+12.4% YoY
|
$3.2B
+10.8% YoY
|
76% |
| Total Deposits ? |
$494.0M
-2.7% YoY
+3.3% QoQ
|
+$166.0M |
$328.0M
+0.1% YoY
|
$797.0M
+7.4% YoY
|
$4.8B
+8.2% YoY
|
79% |
| Return on Assets ? |
1.29%
+14.7% YoY
+0.3% QoQ
|
+0.02% |
1.27%
+12.9% YoY
|
1.15%
+25.2% YoY
|
1.23%
+13.4% YoY
|
55% |
| Net Interest Margin ? |
4.09%
+6.7% YoY
+0.9% QoQ
|
+0.16% |
3.93%
+6.0% YoY
|
3.99%
+5.8% YoY
|
3.89%
+5.7% YoY
|
62% |
| Efficiency Ratio ? |
62.08%
-3.1% YoY
+1.3% QoQ
|
-3.20% |
65.29%
-4.5% YoY
|
66.95%
-6.2% YoY
|
66.95%
-4.1% YoY
|
53% |
| Delinquency Rate ? |
0.22%
-52.9% YoY
-13.0% QoQ
|
-0.67% |
0.89%
+18.8% YoY
|
0.77%
+21.7% YoY
|
0.95%
+18.8% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
73.07%
-4.1% YoY
-5.1% QoQ
|
-3.56% |
76.64%
+0.8% YoY
|
78.66%
+4.9% YoY
|
76.70%
+0.9% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
24.13%
+10.7% YoY
-2.0% QoQ
|
+2.11% |
22.02%
-1.0% YoY
|
24.69%
-2.1% YoY
|
22.01%
-1.2% YoY
|
63% |
| Nonperforming Asset Ratio ? |
0.14%
-55.7% YoY
-16.3% QoQ
|
-0.50% |
0.64%
+19.7% YoY
|
0.58%
+27.6% YoY
|
0.67%
+19.3% YoY
|
66% |
| Tier 1 Capital Ratio ? |
17.62%
+8.6% YoY
+1.7% QoQ
|
+1.79% |
15.83%
+1.5% YoY
|
20.91%
+0.5% YoY
|
17.06%
+0.8% YoY
|
80% |
| Non-Interest Income / Assets ? |
0.09%
+10.7% YoY
-75.9% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.19%
+5.8% YoY
|
0.32%
+4.1% YoY
|
45% |
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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)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.