BlastPoint's Banking Scorecard
West Michigan Community Bank
Hudsonville, MI
8 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 +15.5% year over year ($1.1B on the books).
- Delinquency rate 1.42%.
- Return on assets 1.46%.
- Efficiency ratio 51.71% vs a 59.73% peer average.
- Loan-to-deposit ratio 95.92% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
West Michigan Community Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.06% above tier average
- + Efficiency Ratio 8.02% below tier average
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 0.88% above tier average
- - Net Interest Margin 0.08% below tier average
- - Delinquency Rate 0.55% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+13.5% YoY
+1.3% QoQ
|
-$1.6B |
$2.8B
-0.6% YoY
|
$1.0B
+6.5% YoY
|
$6.3B
+7.7% YoY
|
18% |
| Total Loans ? |
$1.0B
+12.6% YoY
-0.0% QoQ
|
-$933.2M |
$2.0B
-0.3% YoY
|
$767.2M
+9.2% YoY
|
$3.2B
+9.4% YoY
|
33% |
| Total Deposits ? |
$1.1B
+15.5% YoY
+1.9% QoQ
|
-$1.2B |
$2.3B
-0.5% YoY
|
$806.0M
+5.9% YoY
|
$4.9B
+7.3% YoY
|
21% |
| Return on Assets ? |
1.46%
+41.3% YoY
+6.0% QoQ
|
+0.06% |
1.39%
+17.0% YoY
|
1.18%
+20.1% YoY
|
1.30%
+12.1% YoY
|
67% |
| Net Interest Margin ? |
3.79%
-1.6% YoY
+0.9% QoQ
|
-0.08% |
3.87%
+6.2% YoY
|
4.06%
+4.7% YoY
|
3.95%
+4.9% YoY
|
55% |
| Efficiency Ratio ? |
51.71%
-3.5% YoY
+0.6% QoQ
|
-8.02% |
59.73%
-12.6% YoY
|
65.90%
-5.4% YoY
|
70.05%
+2.5% YoY
|
73% |
| Delinquency Rate ? |
1.42%
+131.2% YoY
-1.8% QoQ
|
+0.55% |
0.87%
+11.7% YoY
|
0.85%
+32.2% YoY
|
0.98%
+16.3% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
95.92%
-2.5% YoY
-1.9% QoQ
|
+10.88% |
85.04%
-0.1% YoY
|
80.02%
+3.0% YoY
|
79.03%
+2.3% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
21.02%
-16.3% YoY
+0.5% QoQ
|
-0.25% |
21.27%
-1.5% YoY
|
25.55%
-0.4% YoY
|
21.98%
-0.6% YoY
|
56% |
| Nonperforming Asset Ratio ? |
1.55%
+194.6% YoY
-2.7% QoQ
|
+0.88% |
0.67%
+11.7% YoY
|
0.65%
+27.6% YoY
|
0.69%
+15.8% YoY
|
Bottom 9.6% in tier |
| Tier 1 Capital Ratio ? |
9.22%
-3.2% YoY
+2.7% QoQ
|
-5.63% |
14.84%
-0.4% YoY
|
20.80%
-0.9% YoY
|
17.09%
+0.8% YoY
|
Bottom 1.2% in tier |
| Non-Interest Income / Assets ? |
0.23%
-6.5% YoY
+101.8% QoQ
|
-0.30% |
0.53%
+2.5% YoY
|
0.38%
+3.3% YoY
|
0.66%
+5.2% YoY
|
37% |
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 |
21.0%
-4.1pp YoY +0.1pp QoQ |
-0.3pp | 21.4% | 25.9% | 22.2% | 56% |
| Brokered Deposits |
1.4%
-0.2pp YoY 0.0pp QoQ |
-8.1pp | 9.5% | 12.3% | 8.5% | 22% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
18.1%
+1.2pp YoY -0.7pp QoQ |
+4.1pp | 14.0% | 12.8% | 12.5% | 76% |
| CRE |
61.6%
+0.6pp YoY +1.1pp QoQ |
+11.5pp | 50.0% | 45.9% | 41.4% | 78% |
| 1-4 Family |
14.6%
-1.0pp YoY 0.0pp QoQ |
-11.8pp | 26.4% | 33.6% | 31.3% | 29% |
| Consumer |
0.5%
-0.2pp YoY 0.0pp QoQ |
-4.3pp | 4.7% | 4.6% | 5.0% | 30% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 26.9% | 19.7% | n/a |
| Leverage Ratio |
9.2%
-0.3pp YoY +0.2pp QoQ |
-2.1pp | 11.3% | 12.3% | 12.6% | 16% |
| Total Capital Ratio | n/a | n/a | 16.7% | 27.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
105
+7 (+7.1%) YoY +9 (+9.4%) QoQ |
-209 | 313 | 134 | 482 | 9% |
| Assets per Employee ($) |
$11.5M
+5.9% YoY -7.4% QoQ |
+$1.1M | $10.5M | $6.8M | $8.8M | 76% |
| Branch Count |
8
0 YoY 0 QoQ |
-12 | 20 | 9 | 18 | 20% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.2% | 0.4% | n/a |
| Nonaccrual |
1.4%
+0.8pp YoY 0.0pp QoQ |
+0.6pp | 0.8% | 0.8% | 1.0% | 84% |
| Allowance Coverage |
0.99x
-53.4% YoY +2.7% QoQ |
-17.72x | 18.71x | 6.79x | 20.23x | 24% |
| Net Charge-off Rate (YTD) |
0.0%
-0.6pp YoY |
-0.3pp | 0.3% | 0.1% | 0.2% | 18% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.0%
+5.3pp YoY +0.8pp QoQ |
+4.4pp | 12.6% | 11.7% | 11.6% | 83% |
| Cost of Funds (YTD) |
2.2%
0.0pp YoY 0.0pp QoQ |
+0.3pp | 1.9% | 1.5% | 1.7% | 73% |
| Net Income ($, YTD) |
$8.7M
+59.7% YoY — QoQ |
-$10.5M | $19.2M | $7.3M | $40.4M | 33% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.