BlastPoint's Banking Scorecard
Sturgis Bank & Trust Company
Designations: ✓ Community bank
Sturgis, MI
17 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 +1.2% year over year ($893.0M on the books).
- Delinquency rate 0.93%.
- Return on assets 1.03%.
- Efficiency ratio 73.48% vs a 59.73% peer average.
- Loan-to-deposit ratio 85.15% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Sturgis Bank & Trust Company faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.36% below tier average
- - Efficiency Ratio 13.75% above tier average
- - Delinquency Rate 0.06% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+4.5% YoY
+1.5% QoQ
|
-$1.8B |
$2.8B
-0.6% YoY
|
$1.0B
+6.5% YoY
|
$6.3B
+7.7% YoY
|
Bottom 2.5% in tier |
| Total Loans ? |
$760.4M
-2.7% YoY
-3.7% QoQ
|
-$1.2B |
$2.0B
-0.3% YoY
|
$767.2M
+9.2% YoY
|
$3.2B
+9.4% YoY
|
Bottom 11.2% in tier |
| Total Deposits ? |
$893.0M
+1.2% YoY
-1.7% QoQ
|
-$1.4B |
$2.3B
-0.5% YoY
|
$806.0M
+5.9% YoY
|
$4.9B
+7.3% YoY
|
Bottom 7.0% in tier |
| Return on Assets ? |
1.03%
+26.8% YoY
+13.8% QoQ
|
-0.36% |
1.39%
+17.0% YoY
|
1.18%
+20.1% YoY
|
1.30%
+12.1% YoY
|
32% |
| Net Interest Margin ? |
3.86%
+5.1% YoY
+0.2% QoQ
|
-0.01% |
3.87%
+6.2% YoY
|
4.06%
+4.7% YoY
|
3.95%
+4.9% YoY
|
59% |
| Efficiency Ratio ? |
73.48%
-4.2% YoY
-0.3% QoQ
|
+13.75% |
59.73%
-12.6% YoY
|
65.90%
-5.4% YoY
|
70.05%
+2.5% YoY
|
15% |
| Delinquency Rate ? |
0.93%
+26.5% YoY
-28.6% QoQ
|
+0.06% |
0.87%
+11.7% YoY
|
0.85%
+32.2% YoY
|
0.98%
+16.3% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
85.15%
-3.8% YoY
-2.1% QoQ
|
+0.11% |
85.04%
-0.1% YoY
|
80.02%
+3.0% YoY
|
79.03%
+2.3% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
19.66%
+5.4% YoY
+8.3% QoQ
|
-1.62% |
21.27%
-1.5% YoY
|
25.55%
-0.4% YoY
|
21.98%
-0.6% YoY
|
49% |
| Nonperforming Asset Ratio ? |
1.08%
+75.5% YoY
-1.0% QoQ
|
+0.41% |
0.67%
+11.7% YoY
|
0.65%
+27.6% YoY
|
0.69%
+15.8% YoY
|
19% |
| Tier 1 Capital Ratio ? |
12.11%
+8.8% YoY
+5.8% QoQ
|
-2.74% |
14.84%
-0.4% YoY
|
20.80%
-0.9% YoY
|
17.09%
+0.8% YoY
|
36% |
| Non-Interest Income / Assets ? |
0.42%
-1.8% YoY
+87.9% QoQ
|
-0.10% |
0.53%
+2.5% YoY
|
0.38%
+3.3% YoY
|
0.66%
+5.2% YoY
|
73% |
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 |
19.7%
+1.0pp YoY +1.5pp QoQ |
-1.7pp | 21.4% | 25.9% | 22.2% | 49% |
| Brokered Deposits |
1.2%
-3.6pp YoY 0.0pp QoQ |
-8.2pp | 9.5% | 12.3% | 8.5% | 21% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.7%
+0.3pp YoY +0.5pp QoQ |
-9.3pp | 14.0% | 12.8% | 12.5% | 17% |
| CRE |
33.1%
-0.2pp YoY +0.2pp QoQ |
-16.9pp | 50.0% | 45.9% | 41.4% | 14% |
| 1-4 Family |
59.7%
-0.8pp YoY -1.1pp QoQ |
+33.3pp | 26.4% | 33.6% | 31.3% | 94% |
| Consumer |
1.9%
+0.2pp YoY +0.3pp QoQ |
-2.8pp | 4.7% | 4.6% | 5.0% | 62% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.1%
+1.0pp YoY +0.7pp QoQ |
-3.5pp | 15.6% | 26.9% | 19.7% | 27% |
| Leverage Ratio |
8.6%
+0.6pp YoY +0.6pp QoQ |
-2.7pp | 11.3% | 12.3% | 12.6% | 6% |
| Total Capital Ratio |
13.3%
+1.0pp YoY +0.6pp QoQ |
-3.4pp | 16.7% | 27.9% | 20.8% | 28% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
204
-3 (-1.4%) YoY -1 (-0.5%) QoQ |
-110 | 313 | 134 | 482 | 42% |
| Assets per Employee ($) |
$5.0M
+6.1% YoY +2.0% QoQ |
-$5.4M | $10.5M | $6.8M | $8.8M | 4% |
| Branch Count |
17
0 YoY 0 QoQ |
-3 | 20 | 9 | 18 | 57% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.9%
+0.2pp YoY -0.3pp QoQ |
+0.1pp | 0.8% | 0.8% | 1.0% | 71% |
| Allowance Coverage |
1.20x
-26.0% YoY +35.2% QoQ |
-17.51x | 18.71x | 6.79x | 20.23x | 30% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 24% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.0%
+2.0pp YoY +1.4pp QoQ |
+0.4pp | 12.6% | 11.7% | 11.6% | 57% |
| Cost of Funds (YTD) |
1.6%
-0.2pp YoY 0.0pp QoQ |
-0.3pp | 1.9% | 1.5% | 1.7% | 31% |
| Net Income ($, YTD) |
$5.2M
+33.1% YoY — QoQ |
-$14.0M | $19.2M | $7.3M | $40.4M | 12% |
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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.