BlastPoint's Banking Scorecard

Sturgis Bank & Trust Company

$1B-$10B Specialty: Commercial MI FDIC cert 28593

Designations: ✓ Community bank

Sturgis, MI

17 branches across MI

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

Sturgis Bank & Trust Company faces 3 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 41.0% in tier
- ROA 0.46% below tier average
- Efficiency Ratio 12.63% above 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 ?	$1.0B +5.8% YoY +1.6% QoQ	-$1.8B	$2.8B -0.1% YoY	$993.6M +8.4% YoY	$6.2B +9.1% YoY	Bottom 1.6% in tier
Total Loans ?	$789.7M +3.0% YoY +0.7% QoQ	-$1.2B	$2.0B +0.6% YoY	$752.3M +12.4% YoY	$3.2B +10.8% YoY	Bottom 14.5% in tier
Total Deposits ?	$908.4M +7.8% YoY +1.7% QoQ	-$1.4B	$2.3B -0.3% YoY	$797.0M +7.4% YoY	$4.8B +8.2% YoY	Bottom 7.7% in tier
Return on Assets ?	0.90% +17.1% YoY -1.7% QoQ	-0.46%	1.37% +19.6% YoY	1.15% +25.2% YoY	1.23% +13.4% YoY	26%
Net Interest Margin ?	3.85% +6.3% YoY +3.0% QoQ	+0.03%	3.82% +6.9% YoY	3.99% +5.8% YoY	3.89% +5.7% YoY	63%
Efficiency Ratio ?	73.69% -6.8% YoY -1.7% QoQ	+12.63%	61.06% -4.6% YoY	66.95% -6.2% YoY	66.95% -4.1% YoY	17%
Delinquency Rate ?	1.30% +71.2% YoY -2.9% QoQ	+0.41%	0.89% +14.1% YoY	0.77% +21.7% YoY	0.95% +18.8% YoY	20%
Loan-to-Deposit Ratio ?	86.93% -4.4% YoY -1.1% QoQ	+2.73%	84.20% +0.3% YoY	78.66% +4.9% YoY	76.70% +0.9% YoY	48%
Non-Interest-Bearing Deposit Share ?	18.16% -4.8% YoY -7.0% QoQ	-3.13%	21.29% -2.5% YoY	24.69% -2.1% YoY	22.01% -1.2% YoY	41%
Nonperforming Asset Ratio ?	1.09% +70.3% YoY -3.5% QoQ	+0.42%	0.67% +15.6% YoY	0.58% +27.6% YoY	0.67% +19.3% YoY	18%
Tier 1 Capital Ratio ?	11.45% +1.2% YoY -0.1% QoQ	-3.71%	15.16% +2.0% YoY	20.91% +0.5% YoY	17.06% +0.8% YoY	23%
Non-Interest Income / Assets ?	0.22% +1.4% YoY -75.8% QoQ	-0.03%	0.26% +1.6% YoY	0.19% +5.8% YoY	0.32% +4.1% YoY	77%

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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 (1)

Credit Risk Growth

risk

#173 of 420 • Bottom 41.0% 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

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 (1 metrics)

207

Non-Interest Income / Assets

revenue_mix

Value: 0.22%

Peer Median: 0.26%

#207 of 884 Top 23.3% in $1B-$10B

Top Weaknesses (7 metrics)

871

Total Assets

size

Value: $1.01B

Peer Median: $2.82B

#871 of 884 Bottom 1.6% in $1B-$10B

817

Total Deposits

size

Value: $908.43M

Peer Median: $2.34B

#817 of 884 Bottom 7.7% in $1B-$10B

757

Total Loans

size

Value: $789.73M

Peer Median: $1.96B

#757 of 884 Bottom 14.5% in $1B-$10B

739

Efficiency Ratio

profitability

Value: 73.69%

Peer Median: 61.06%

#739 of 884 Bottom 16.5% in $1B-$10B

725

Nonperforming Asset Ratio

credit_quality

Value: 1.09%

Peer Median: 0.67%

#725 of 884 Bottom 18.1% in $1B-$10B

707

Delinquency Rate

credit_quality

Value: 1.30%

Peer Median: 0.89%

#707 of 880 Bottom 19.8% in $1B-$10B

684

Tier 1 Capital Ratio

capital

Value: 11.45%

Peer Median: 15.16%

#684 of 884 Bottom 22.7% in $1B-$10B