BlastPoint's Banking Scorecard

Capitol National Bank

$100M-$1B Specialty: Commercial MI FDIC cert 24199

Lansing, MI

2 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 47 in MI.
Deposits +4.9% year over year ($162.1M on the books).
Delinquency rate 1.53%.
Return on assets 1.79%.
Efficiency ratio 56.95% vs a 64.48% peer average.
Loan-to-deposit ratio 102.68% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 47 in MI

View $100M-$1B leaderboard (MI) →

Capitol National Bank has 3 strengths but faces 2 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

+ Deposit Franchise: Top 65.5% in tier
+ ROA 0.47% above tier average
+ Efficiency Ratio 7.53% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 22.8% in tier
- Delinquency Rate 0.61% above tier average

Get updates when Capitol National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Total Assets ?	$209.3M +10.6% YoY +4.7% QoQ	-$177.3M	$386.6M +1.2% YoY	$1.0B +6.5% YoY	$6.3B +7.7% YoY	29%
Total Loans ?	$166.5M +25.7% YoY +2.7% QoQ	-$91.9M	$258.3M +1.7% YoY	$767.2M +9.2% YoY	$3.2B +9.4% YoY	40%
Total Deposits ?	$162.1M +4.9% YoY -0.5% QoQ	-$164.6M	$326.7M +0.7% YoY	$806.0M +5.9% YoY	$4.9B +7.3% YoY	24%
Return on Assets ?	1.79% -8.8% YoY -1.7% QoQ	+0.47%	1.32% +10.8% YoY	1.18% +20.1% YoY	1.30% +12.1% YoY	80%
Net Interest Margin ?	5.13% -7.7% YoY +1.1% QoQ	+1.14%	3.99% +5.0% YoY	4.06% +4.7% YoY	3.95% +4.9% YoY	Top 6.4% in tier
Efficiency Ratio ?	56.95% +0.4% YoY +1.0% QoQ	-7.53%	64.48% -3.2% YoY	65.90% -5.4% YoY	70.05% +2.5% YoY	66%
Delinquency Rate ?	1.53% +194.2% QoQ	+0.61%	0.92% +15.7% YoY	0.85% +32.2% YoY	0.98% +16.3% YoY	18%
Loan-to-Deposit Ratio ?	102.68% +19.9% YoY +3.1% QoQ	+24.72%	77.95% +1.0% YoY	80.02% +3.0% YoY	79.03% +2.3% YoY	Bottom 7.2% in tier
Non-Interest-Bearing Deposit Share ?	28.38% +11.2% YoY +18.1% QoQ	+6.35%	22.03% -0.6% YoY	25.55% -0.4% YoY	21.98% -0.6% YoY	77%
Nonperforming Asset Ratio ?	1.22% +188.5% QoQ	+0.55%	0.67% +16.4% YoY	0.65% +27.6% YoY	0.69% +15.8% YoY	16%
Tier 1 Capital Ratio ?	16.74% +6.0% YoY +3.5% QoQ	+0.83%	15.91% +1.4% YoY	20.80% -0.9% YoY	17.09% +0.8% YoY	76%
Non-Interest Income / Assets ?	0.14% -21.2% YoY +82.5% QoQ	-0.42%	0.57% +7.6% YoY	0.38% +3.3% YoY	0.66% +5.2% YoY	32%

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	28.4% +2.9pp YoY +4.4pp QoQ	+6.2pp	22.1%	25.9%	22.2%	77%
Brokered Deposits	n/a	n/a	7.9%	12.3%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
C&I	7.6% -2.3pp YoY -0.3pp QoQ	-3.9pp	11.6%	12.8%	12.5%	37%
CRE	69.2% -15.5pp YoY -1.2pp QoQ	+29.7pp	39.5%	45.9%	41.4%	93%
1-4 Family	11.7% +3.4pp YoY -1.0pp QoQ	-20.9pp	32.6%	33.6%	31.3%	14%
Consumer	0.2% +0.1pp YoY +0.1pp QoQ	-4.0pp	4.1%	4.6%	5.0%	7%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	26.9%	19.7%	n/a
Leverage Ratio	16.7% +0.9pp YoY +0.6pp QoQ	+4.6pp	12.2%	12.3%	12.6%	93%
Total Capital Ratio	n/a	n/a	19.9%	27.9%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Full-Time Employees	32 +1 (+3.2%) YoY +3 (+10.3%) QoQ	-27	58	134	482	30%
Assets per Employee ($)	$6.5M +7.2% YoY -5.1% QoQ	-$978K	$7.5M	$6.8M	$8.8M	44%
Branch Count	2 0 YoY 0 QoQ	-3	4	9	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Past Due 90+ Days	1.1%	+0.7pp	0.3%	0.2%	0.4%	92%
Nonaccrual	0.5% +0.5pp YoY 0.0pp QoQ	-0.5pp	0.9%	0.8%	1.0%	51%
Allowance Coverage	1.56x -99.2% YoY -66.9% QoQ	-22.59x	24.15x	6.79x	20.23x	40%
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
ROE	11.4% -1.4pp YoY -0.3pp QoQ	-0.8pp	12.2%	11.7%	11.6%	45%
Cost of Funds (YTD)	1.0% 0.0pp YoY 0.0pp QoQ	-0.7pp	1.7%	1.5%	1.7%	11%
Net Income ($, YTD)	$1.9M -0.7% YoY — QoQ	-$699K	$2.6M	$7.3M	$40.4M	50%

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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 (1)

Deposit Franchise

growth

#183 of 278 • Top 65.5% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 28.38%

(Tier: 22.03%, National: 21.98%)

better than tier avg

Net Interest Margin: 5.13%

(Tier: 3.99%, National: 3.95%)

better than tier avg

278 of 278 Community banks match · 368 nationally

→ Stable -1 banks QoQ

Concerns (1)

Liquidity Overhang

risk

#170 of 742 • Bottom 22.8% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 16.74%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 102.68%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

169

Net Interest Margin

profitability

Value: 5.13%

Peer Median: 3.99%

#169 of 2643 Top 6.4% in $100M-$1B

537

Return on Assets

profitability

Value: 1.79%

Peer Median: 1.32%

#537 of 2643 Top 20.3% in $100M-$1B

612

Non-Interest-Bearing Deposit Share

funding

Value: 28.38%

Peer Median: 22.03%

#612 of 2643 Top 23.1% in $100M-$1B

640

Tier 1 Capital Ratio

capital

Value: 16.74%

Peer Median: 15.91%

#640 of 2643 Top 24.2% in $100M-$1B

Top Weaknesses (4 metrics)

2453

Loan-to-Deposit Ratio

liquidity

Value: 102.68%

Peer Median: 77.95%

#2453 of 2643 Bottom 7.2% in $100M-$1B

2217

Nonperforming Asset Ratio

credit_quality

Value: 1.22%

Peer Median: 0.67%

#2217 of 2643 Bottom 16.2% in $100M-$1B

2153

Delinquency Rate

credit_quality

Value: 1.53%

Peer Median: 0.92%

#2153 of 2633 Bottom 18.3% in $100M-$1B

1997

Total Deposits

size

Value: $162.12M

Peer Median: $326.73M

#1997 of 2643 Bottom 24.5% in $100M-$1B