BlastPoint's Banking Scorecard

Dearborn Federal Savings Bank

$100M-$1B Specialty: Mortgage MI FDIC cert 29874

Designations: ✓ Mutual

Dearborn, MI

5 branches across MI

2664 banks in the $100M-$1B peer group nationally 46 in MI

Dearborn Federal Savings Bank has 1 strength but faces 6 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

+ Delinquency Rate 0.31% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 4.3% in tier
- Liquidity Strain: Bottom 30.3% in tier
- Return on Assets 1.13% below tier average
- Net Interest Margin 1.02% below tier average
- Efficiency Ratio 28.54% above tier average
- Non-Interest Income / Assets 0.27% below 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 ?	$298.6M +7.6% YoY +3.5% QoQ	-$87.5M	$386.1M +0.5% YoY	$993.6M +8.4% YoY	$6.2B +9.1% YoY	46%
Total Loans ?	$196.2M -1.8% YoY -1.8% QoQ	-$59.5M	$255.7M +1.1% YoY	$752.3M +12.4% YoY	$3.2B +10.8% YoY	48%
Total Deposits ?	$189.8M +10.5% YoY +3.6% QoQ	-$138.2M	$328.0M +0.1% YoY	$797.0M +7.4% YoY	$4.8B +8.2% YoY	32%
Return on Assets ?	0.14% +153.9% YoY +127.4% QoQ	-1.13%	1.27% +12.9% YoY	1.15% +25.2% YoY	1.23% +13.4% YoY	Bottom 5.3% in tier
Net Interest Margin ?	2.91% +10.8% YoY +7.5% QoQ	-1.02%	3.93% +6.0% YoY	3.99% +5.8% YoY	3.89% +5.7% YoY	Bottom 8.9% in tier
Efficiency Ratio ?	93.83% -12.3% YoY -22.9% QoQ	+28.54%	65.29% -4.5% YoY	66.95% -6.2% YoY	66.95% -4.1% YoY	Bottom 4.5% in tier
Delinquency Rate ?	0.58% -6.8% QoQ	-0.31%	0.89% +18.8% YoY	0.77% +21.7% YoY	0.95% +18.8% YoY	42%
Loan-to-Deposit Ratio ?	103.41% -11.1% YoY -5.2% QoQ	+26.77%	76.64% +0.8% YoY	78.66% +4.9% YoY	76.70% +0.9% YoY	Bottom 5.8% in tier
Non-Interest-Bearing Deposit Share ?	9.84% +5.0% YoY +21.6% QoQ	-12.18%	22.02% -1.0% YoY	24.69% -2.1% YoY	22.01% -1.2% YoY	Bottom 10.4% in tier
Nonperforming Asset Ratio ?	0.38% -11.6% QoQ	-0.26%	0.64% +19.7% YoY	0.58% +27.6% YoY	0.67% +19.3% YoY	45%
Tier 1 Capital Ratio ?	26.28% -7.8% YoY -1.2% QoQ	+10.45%	15.83% +1.5% YoY	20.91% +0.5% YoY	17.06% +0.8% YoY	Top 5.4% in tier
Non-Interest Income / Assets ?	0.01% +26.8% YoY -75.0% QoQ	-0.27%	0.28% +9.3% YoY	0.19% +5.8% YoY	0.32% +4.1% YoY	Bottom 1.8% in tier

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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 (2)

Liquidity Overhang

risk

#33 of 739 • Bottom 4.3% 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: 26.28%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 103.41%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Liquidity Strain

risk

#196 of 643 • Bottom 30.3% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 103.41%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

146

Tier 1 Capital Ratio

capital

Value: 26.28%

Peer Median: 15.83%

#146 of 2664 Top 5.4% in $100M-$1B

Top Weaknesses (6 metrics)

2618

Non-Interest Income / Assets

revenue_mix

Value: 0.01%

Peer Median: 0.28%

#2618 of 2664 Bottom 1.8% in $100M-$1B

2545

Efficiency Ratio

profitability

Value: 93.83%

Peer Median: 65.29%

#2545 of 2664 Bottom 4.5% in $100M-$1B

2523

Return on Assets

profitability

Value: 0.14%

Peer Median: 1.27%

#2523 of 2664 Bottom 5.3% in $100M-$1B

2510

Loan-to-Deposit Ratio

liquidity

Value: 103.41%

Peer Median: 76.64%

#2510 of 2664 Bottom 5.8% in $100M-$1B

2428

Net Interest Margin

profitability

Value: 2.91%

Peer Median: 3.93%

#2428 of 2664 Bottom 8.9% in $100M-$1B

2387

Non-Interest-Bearing Deposit Share

funding

Value: 9.84%

Peer Median: 22.02%

#2387 of 2664 Bottom 10.4% in $100M-$1B