BlastPoint's Banking Scorecard
Bank of Ann Arbor
Designations: ✓ Community bank
Ann Arbor, MI
18 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 +6.9% year over year ($2.8B on the books).
- Delinquency rate 0.28%.
- Return on assets 1.98%.
- Efficiency ratio 44.40% vs a 59.73% peer average.
- Loan-to-deposit ratio 92.61% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Ann Arbor has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 46.0% in tier
- + Net Interest Margin 0.54% above tier average
- + Efficiency Ratio 15.33% below tier average
- + Delinquency Rate 0.59% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 5.8% in tier
- - Credit Quality Pressure: Bottom 24.6% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.5B
+6.3% YoY
+5.0% QoQ
|
+$703.7M |
$2.8B
-0.6% YoY
|
$1.0B
+6.5% YoY
|
$6.3B
+7.7% YoY
|
77% |
| Total Loans ? |
$2.6B
-1.2% YoY
-1.3% QoQ
|
+$669.8M |
$2.0B
-0.3% YoY
|
$767.2M
+9.2% YoY
|
$3.2B
+9.4% YoY
|
78% |
| Total Deposits ? |
$2.8B
+6.9% YoY
+3.8% QoQ
|
+$524.2M |
$2.3B
-0.5% YoY
|
$806.0M
+5.9% YoY
|
$4.9B
+7.3% YoY
|
75% |
| Return on Assets ? |
1.98%
+14.5% YoY
+3.9% QoQ
|
+0.59% |
1.39%
+17.0% YoY
|
1.18%
+20.1% YoY
|
1.30%
+12.1% YoY
|
Top 12.3% in tier |
| Net Interest Margin ? |
4.41%
+4.3% YoY
+0.0% QoQ
|
+0.54% |
3.87%
+6.2% YoY
|
4.06%
+4.7% YoY
|
3.95%
+4.9% YoY
|
85% |
| Efficiency Ratio ? |
44.40%
-5.1% YoY
-0.2% QoQ
|
-15.33% |
59.73%
-12.6% YoY
|
65.90%
-5.4% YoY
|
70.05%
+2.5% YoY
|
Top 10.7% in tier |
| Delinquency Rate ? |
0.28%
+67.8% YoY
-22.2% QoQ
|
-0.59% |
0.87%
+11.7% YoY
|
0.85%
+32.2% YoY
|
0.98%
+16.3% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
92.61%
-7.6% YoY
-4.9% QoQ
|
+7.58% |
85.04%
-0.1% YoY
|
80.02%
+3.0% YoY
|
79.03%
+2.3% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
30.00%
+20.2% YoY
-5.7% QoQ
|
+8.73% |
21.27%
-1.5% YoY
|
25.55%
-0.4% YoY
|
21.98%
-0.6% YoY
|
84% |
| Nonperforming Asset Ratio ? |
0.27%
+37.6% YoY
-16.7% QoQ
|
-0.41% |
0.67%
+11.7% YoY
|
0.65%
+27.6% YoY
|
0.69%
+15.8% YoY
|
65% |
| Tier 1 Capital Ratio ? |
14.27%
+13.8% YoY
+5.4% QoQ
|
-0.57% |
14.84%
-0.4% YoY
|
20.80%
-0.9% YoY
|
17.09%
+0.8% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.32%
+10.3% YoY
+98.1% QoQ
|
-0.20% |
0.53%
+2.5% YoY
|
0.38%
+3.3% YoY
|
0.66%
+5.2% YoY
|
57% |
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 |
30.0%
+5.0pp YoY -1.8pp QoQ |
+8.6pp | 21.4% | 25.9% | 22.2% | 84% |
| Brokered Deposits | n/a | n/a | 9.5% | 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 |
24.9%
-1.0pp YoY -0.4pp QoQ |
+10.9pp | 14.0% | 12.8% | 12.5% | 88% |
| CRE |
52.5%
-1.1pp YoY -0.7pp QoQ |
+2.5pp | 50.0% | 45.9% | 41.4% | 59% |
| 1-4 Family |
11.4%
+0.1pp YoY +0.2pp QoQ |
-15.1pp | 26.4% | 33.6% | 31.3% | 21% |
| Consumer |
0.5%
-0.2pp YoY -0.1pp QoQ |
-4.2pp | 4.7% | 4.6% | 5.0% | 32% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.3%
+1.7pp YoY +0.7pp QoQ |
-1.3pp | 15.6% | 26.9% | 19.7% | 62% |
| Leverage Ratio |
13.2%
+0.9pp YoY +0.3pp QoQ |
+1.9pp | 11.3% | 12.3% | 12.6% | 86% |
| Total Capital Ratio |
15.4%
+1.8pp YoY +0.7pp QoQ |
-1.3pp | 16.7% | 27.9% | 20.8% | 62% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
319
-22 (-6.5%) YoY +2 (+0.6%) QoQ |
+5 | 313 | 134 | 482 | 68% |
| Assets per Employee ($) |
$11.0M
+13.6% YoY +4.4% QoQ |
+$481K | $10.5M | $6.8M | $8.8M | 72% |
| Branch Count |
18
+1 (+5.9%) YoY 0 QoQ |
-2 | 20 | 9 | 18 | 60% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.0% | -0.2pp | 0.2% | 0.2% | 0.4% | 18% |
| Nonaccrual |
0.3%
+0.1pp YoY -0.1pp QoQ |
-0.6pp | 0.8% | 0.8% | 1.0% | 28% |
| Allowance Coverage |
4.49x
-38.0% YoY +29.5% QoQ |
-14.22x | 18.71x | 6.79x | 20.23x | 75% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 62% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.8%
+1.1pp YoY +0.5pp QoQ |
+1.2pp | 12.6% | 11.7% | 11.6% | 64% |
| Cost of Funds (YTD) |
1.5%
-0.2pp YoY 0.0pp QoQ |
-0.4pp | 1.9% | 1.5% | 1.7% | 21% |
| Net Income ($, YTD) |
$33.5M
+19.8% YoY — QoQ |
+$14.3M | $19.2M | $7.3M | $40.4M | 84% |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (2)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.