BlastPoint's Banking Scorecard

Bank of Ann Arbor

$1B-$10B Specialty: Commercial MI FDIC cert 34120

Designations: ✓ Community bank

Ann Arbor, MI

19 branches across MI

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

Bank of Ann Arbor has 4 strengths but faces 2 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

+ Profitability Leader: Top 48.9% in tier
+ Deposit Franchise: Top 65.1% in tier
+ Efficiency Ratio 16.57% below tier average
+ Delinquency Rate 0.53% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 27.6% in tier
- Liquidity Strain: Bottom 40.4% in tier

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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 ?	$3.3B +2.6% YoY -0.3% QoQ	+$513.7M	$2.8B -0.1% YoY	$993.6M +8.4% YoY	$6.2B +9.1% YoY	75%
Total Loans ?	$2.7B +5.4% YoY -1.0% QoQ	+$702.0M	$2.0B +0.6% YoY	$752.3M +12.4% YoY	$3.2B +10.8% YoY	79%
Total Deposits ?	$2.7B +1.4% YoY -0.1% QoQ	+$394.7M	$2.3B -0.3% YoY	$797.0M +7.4% YoY	$4.8B +8.2% YoY	74%
Return on Assets ?	1.91% +13.0% YoY +10.6% QoQ	+0.54%	1.37% +19.6% YoY	1.15% +25.2% YoY	1.23% +13.4% YoY	Top 13.3% in tier
Net Interest Margin ?	4.41% +4.9% YoY +1.7% QoQ	+0.60%	3.82% +6.9% YoY	3.99% +5.8% YoY	3.89% +5.7% YoY	Top 14.4% in tier
Efficiency Ratio ?	44.49% -6.2% YoY -12.5% QoQ	-16.57%	61.06% -4.6% YoY	66.95% -6.2% YoY	66.95% -4.1% YoY	Top 10.7% in tier
Delinquency Rate ?	0.36% +95.7% YoY +37.7% QoQ	-0.53%	0.89% +14.1% YoY	0.77% +21.7% YoY	0.95% +18.8% YoY	65%
Loan-to-Deposit Ratio ?	97.40% +3.9% YoY -0.8% QoQ	+13.19%	84.20% +0.3% YoY	78.66% +4.9% YoY	76.70% +0.9% YoY	19%
Non-Interest-Bearing Deposit Share ?	31.82% -3.7% YoY -2.9% QoQ	+10.53%	21.29% -2.5% YoY	24.69% -2.1% YoY	22.01% -1.2% YoY	Top 12.9% in tier
Nonperforming Asset Ratio ?	0.32% +46.0% YoY +31.7% QoQ	-0.35%	0.67% +15.6% YoY	0.58% +27.6% YoY	0.67% +19.3% YoY	60%
Tier 1 Capital Ratio ?	13.54% +8.0% YoY +2.3% QoQ	-1.62%	15.16% +2.0% YoY	20.91% +0.5% YoY	17.06% +0.8% YoY	56%
Non-Interest Income / Assets ?	0.16% +8.3% YoY -72.9% QoQ	-0.09%	0.26% +1.6% YoY	0.19% +5.8% YoY	0.32% +4.1% YoY	59%

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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 (2)

Profitability Leader

growth

#109 of 221 • Top 48.9% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.91%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Deposit Franchise

growth

#57 of 86 • Top 65.1% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 31.82%

(Tier: 21.29%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.41%

(Tier: 3.82%, National: 3.89%)

better than tier avg

86 of 86 Mid-Market banks match · 369 nationally

→ Stable -14 banks QoQ

Concerns (2)

Credit Risk Growth

risk

#117 of 420 • Bottom 27.6% 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

Liquidity Strain

risk

#136 of 334 • Bottom 40.4% 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: 97.40%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

334 of 334 Mid-Market 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 884 peers in $1B-$10B

Top Strengths (5 metrics)

Efficiency Ratio

profitability

Value: 44.49%

Peer Median: 61.06%

#96 of 884 Top 10.7% in $1B-$10B

115

Non-Interest-Bearing Deposit Share

funding

Value: 31.82%

Peer Median: 21.29%

#115 of 884 Top 12.9% in $1B-$10B

119

Return on Assets

profitability

Value: 1.91%

Peer Median: 1.37%

#119 of 884 Top 13.3% in $1B-$10B

128

Net Interest Margin

profitability

Value: 4.41%

Peer Median: 3.82%

#128 of 884 Top 14.4% in $1B-$10B

190

Total Loans

size

Value: $2.67B

Peer Median: $1.96B

#190 of 884 Top 21.4% in $1B-$10B

Top Weaknesses (1 metrics)

716

Loan-to-Deposit Ratio

liquidity

Value: 97.40%

Peer Median: 84.20%

#716 of 884 Bottom 19.1% in $1B-$10B