BlastPoint's Banking Scorecard

Dearborn Federal Savings Bank

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

Designations: ✓ Mutual

Dearborn, MI

5 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 +15.1% year over year ($198.2M on the books).
Delinquency rate 0.64%.
Return on assets 0.07%.
Efficiency ratio 96.82% vs a 64.48% peer average.
Loan-to-deposit ratio 99.30% 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) →

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 0.28% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 6.5% in tier
- Liquidity Strain: Bottom 17.2% in tier
- Return on Assets 1.25% below tier average
- Net Interest Margin 1.19% below tier average
- Efficiency Ratio 32.34% above tier average
- Non-Interest Income / Assets 0.54% below tier average

Get updates when Dearborn Federal Savings 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 ?	$306.6M +10.5% YoY +2.7% QoQ	-$79.9M	$386.6M +1.2% YoY	$1.0B +6.5% YoY	$6.3B +7.7% YoY	47%
Total Loans ?	$196.9M -1.7% YoY +0.3% QoQ	-$61.5M	$258.3M +1.7% YoY	$767.2M +9.2% YoY	$3.2B +9.4% YoY	47%
Total Deposits ?	$198.2M +15.1% YoY +4.5% QoQ	-$128.5M	$326.7M +0.7% YoY	$806.0M +5.9% YoY	$4.9B +7.3% YoY	34%
Return on Assets ?	0.07% +109.4% YoY -50.2% QoQ	-1.25%	1.32% +10.8% YoY	1.18% +20.1% YoY	1.30% +12.1% YoY	Bottom 3.9% in tier
Net Interest Margin ?	2.80% +3.4% YoY -4.1% QoQ	-1.19%	3.99% +5.0% YoY	4.06% +4.7% YoY	3.95% +4.9% YoY	Bottom 6.1% in tier
Efficiency Ratio ?	96.82% -27.1% YoY +3.2% QoQ	+32.34%	64.48% -3.2% YoY	65.90% -5.4% YoY	70.05% +2.5% YoY	Bottom 2.8% in tier
Delinquency Rate ?	0.64% +11.3% QoQ	-0.28%	0.92% +15.7% YoY	0.85% +32.2% YoY	0.98% +16.3% YoY	40%
Loan-to-Deposit Ratio ?	99.30% -14.6% YoY -4.0% QoQ	+21.35%	77.95% +1.0% YoY	80.02% +3.0% YoY	79.03% +2.3% YoY	Bottom 11.0% in tier
Non-Interest-Bearing Deposit Share ?	14.57% +53.7% YoY +48.1% QoQ	-7.46%	22.03% -0.6% YoY	25.55% -0.4% YoY	21.98% -0.6% YoY	22%
Nonperforming Asset Ratio ?	0.41% +8.7% QoQ	-0.26%	0.67% +16.4% YoY	0.65% +27.6% YoY	0.69% +15.8% YoY	44%
Tier 1 Capital Ratio ?	25.86% -7.5% YoY -1.6% QoQ	+9.96%	15.91% +1.4% YoY	20.80% -0.9% YoY	17.09% +0.8% YoY	Top 6.2% in tier
Non-Interest Income / Assets ?	0.02% +64.4% YoY +124.0% QoQ	-0.54%	0.57% +7.6% YoY	0.38% +3.3% YoY	0.66% +5.2% YoY	Bottom 1.9% in tier

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	14.6% +5.1pp YoY +4.7pp QoQ	-7.6pp	22.1%	25.9%	22.2%	22%
Brokered Deposits	10.1% -0.5pp QoQ	+2.2pp	7.9%	12.3%	8.5%	76%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
C&I	n/a	n/a	11.6%	12.8%	12.5%	n/a
CRE	5.3% -0.5pp YoY -0.2pp QoQ	-34.2pp	39.5%	45.9%	41.4%	1%
1-4 Family	95.5% +0.4pp YoY +0.1pp QoQ	+62.9pp	32.6%	33.6%	31.3%	99%
Consumer	0.0% 0.0pp YoY 0.0pp QoQ	-4.1pp	4.1%	4.6%	5.0%	0%

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	25.9% -2.1pp YoY -0.4pp QoQ	+13.7pp	12.2%	12.3%	12.6%	98%
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	44 0 YoY +1 (+2.3%) QoQ	-15	58	134	482	46%
Assets per Employee ($)	$7.0M +10.5% YoY +0.4% QoQ	-$549K	$7.5M	$6.8M	$8.8M	52%
Branch Count	5 0 YoY 0 QoQ	0	4	9	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Past Due 90+ Days	0.1%	-0.2pp	0.3%	0.2%	0.4%	48%
Nonaccrual	0.6% 0.0pp QoQ	-0.4pp	0.9%	0.8%	1.0%	55%
Allowance Coverage	1.28x -10.4% QoQ	-22.87x	24.15x	6.79x	20.23x	35%
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	0.3% +2.8pp YoY -0.3pp QoQ	-11.9pp	12.2%	11.7%	11.6%	4%
Cost of Funds (YTD)	1.4% +0.2pp YoY 0.0pp QoQ	-0.3pp	1.7%	1.5%	1.7%	29%
Net Income ($, YTD)	$102,000 +110.0% YoY — QoQ	-$2.5M	$2.6M	$7.3M	$40.4M	4%

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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

#49 of 742 • Bottom 6.5% 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: 25.86%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 99.30%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank declining

Liquidity Strain

risk

#120 of 691 • Bottom 17.2% 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: 99.30%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 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 (1 metrics)

165

Tier 1 Capital Ratio

capital

Value: 25.86%

Peer Median: 15.91%

#165 of 2643 Top 6.2% in $100M-$1B

Top Weaknesses (6 metrics)

2595

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.57%

#2595 of 2643 Bottom 1.9% in $100M-$1B

2569

Efficiency Ratio

profitability

Value: 96.82%

Peer Median: 64.48%

#2569 of 2643 Bottom 2.8% in $100M-$1B

2541

Return on Assets

profitability

Value: 0.07%

Peer Median: 1.32%

#2541 of 2643 Bottom 3.9% in $100M-$1B

2483

Net Interest Margin

profitability

Value: 2.80%

Peer Median: 3.99%

#2483 of 2643 Bottom 6.1% in $100M-$1B

2352

Loan-to-Deposit Ratio

liquidity

Value: 99.30%

Peer Median: 77.95%

#2352 of 2643 Bottom 11.0% in $100M-$1B

2051

Non-Interest-Bearing Deposit Share

funding

Value: 14.57%

Peer Median: 22.03%

#2051 of 2643 Bottom 22.4% in $100M-$1B