BlastPoint's Banking Scorecard
Capitol National Bank
Lansing, MI
2 branches across MI
Capitol National Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.14% above tier average
- + ROA 0.55% above tier average
- + Efficiency Ratio 8.90% below tier average
- + Delinquency Rate 0.37% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 26.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$199.9M
+6.8% YoY
-5.9% QoQ
|
-$186.2M |
$386.1M
+0.5% YoY
|
$993.6M
+8.4% YoY
|
$6.2B
+9.1% YoY
|
27% |
| Total Loans ? |
$162.2M
+20.7% YoY
-1.5% QoQ
|
-$93.6M |
$255.7M
+1.1% YoY
|
$752.3M
+12.4% YoY
|
$3.2B
+10.8% YoY
|
39% |
| Total Deposits ? |
$162.9M
+6.1% YoY
-2.0% QoQ
|
-$165.1M |
$328.0M
+0.1% YoY
|
$797.0M
+7.4% YoY
|
$4.8B
+8.2% YoY
|
24% |
| Return on Assets ? |
1.82%
-2.7% YoY
-10.6% QoQ
|
+0.55% |
1.27%
+12.9% YoY
|
1.15%
+25.2% YoY
|
1.23%
+13.4% YoY
|
82% |
| Net Interest Margin ? |
5.07%
-7.1% YoY
-7.2% QoQ
|
+1.14% |
3.93%
+6.0% YoY
|
3.99%
+5.8% YoY
|
3.89%
+5.7% YoY
|
Top 6.2% in tier |
| Efficiency Ratio ? |
56.39%
-3.2% YoY
+3.9% QoQ
|
-8.90% |
65.29%
-4.5% YoY
|
66.95%
-6.2% YoY
|
66.95%
-4.1% YoY
|
70% |
| Delinquency Rate ? |
0.52%
+72.7% QoQ
|
-0.37% |
0.89%
+18.8% YoY
|
0.77%
+21.7% YoY
|
0.95%
+18.8% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
99.57%
+13.8% YoY
+0.5% QoQ
|
+22.93% |
76.64%
+0.8% YoY
|
78.66%
+4.9% YoY
|
76.70%
+0.9% YoY
|
Bottom 9.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
24.03%
-7.1% YoY
-7.4% QoQ
|
+2.01% |
22.02%
-1.0% YoY
|
24.69%
-2.1% YoY
|
22.01%
-1.2% YoY
|
63% |
| Nonperforming Asset Ratio ? |
0.42%
+80.9% QoQ
|
-0.22% |
0.64%
+19.7% YoY
|
0.58%
+27.6% YoY
|
0.67%
+19.3% YoY
|
42% |
| Tier 1 Capital Ratio ? |
16.17%
+5.5% YoY
+2.9% QoQ
|
+0.34% |
15.83%
+1.5% YoY
|
20.91%
+0.5% YoY
|
17.06%
+0.8% YoY
|
73% |
| Non-Interest Income / Assets ? |
0.08%
-16.4% YoY
-75.5% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.19%
+5.8% YoY
|
0.32%
+4.1% YoY
|
38% |
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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)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.