BlastPoint's Banking Scorecard

The Dart Bank

$1B-$10B Specialty: Commercial MI FDIC cert 5033

Designations: ✓ Community bank

Mason, MI

4 branches across MI

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

The Dart Bank has 2 strengths but faces 7 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

+ Revenue Diversifier: Top 29.9% in tier
+ Deposit Franchise: Top 37.2% in tier

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 2.3% in tier
- Capital Thin: Bottom 28.5% in tier
- Credit Risk Growth: Bottom 46.7% in tier
- Liquidity Strain: Bottom 49.1% in tier
- Efficiency Drag: Bottom 51.4% in tier
- Capital Constraint: Bottom 70.3% in tier
- ROA 0.32% 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 ?	$1.4B +2.5% YoY -4.5% QoQ	-$1.4B	$2.8B -0.1% YoY	$993.6M +8.4% YoY	$6.2B +9.1% YoY	27%
Total Loans ?	$1.1B +0.9% YoY -3.8% QoQ	-$837.6M	$2.0B +0.6% YoY	$752.3M +12.4% YoY	$3.2B +10.8% YoY	40%
Total Deposits ?	$1.1B -8.0% YoY -14.0% QoQ	-$1.3B	$2.3B -0.3% YoY	$797.0M +7.4% YoY	$4.8B +8.2% YoY	20%
Return on Assets ?	1.05% +35.7% YoY +14.2% QoQ	-0.32%	1.37% +19.6% YoY	1.15% +25.2% YoY	1.23% +13.4% YoY	36%
Net Interest Margin ?	4.24% +9.7% YoY -1.7% QoQ	+0.42%	3.82% +6.9% YoY	3.99% +5.8% YoY	3.89% +5.7% YoY	81%
Efficiency Ratio ?	82.39% -1.2% YoY -1.7% QoQ	+21.33%	61.06% -4.6% YoY	66.95% -6.2% YoY	66.95% -4.1% YoY	Bottom 6.4% in tier
Delinquency Rate ?	1.58% +96.2% YoY +47.2% QoQ	+0.69%	0.89% +14.1% YoY	0.77% +21.7% YoY	0.95% +18.8% YoY	Bottom 14.4% in tier
Loan-to-Deposit Ratio ?	106.56% +9.7% YoY +11.9% QoQ	+22.36%	84.20% +0.3% YoY	78.66% +4.9% YoY	76.70% +0.9% YoY	Bottom 6.1% in tier
Non-Interest-Bearing Deposit Share ?	40.16% -8.6% YoY -17.8% QoQ	+18.87%	21.29% -2.5% YoY	24.69% -2.1% YoY	22.01% -1.2% YoY	Top 4.5% in tier
Nonperforming Asset Ratio ?	1.30% +91.6% YoY +42.2% QoQ	+0.63%	0.67% +15.6% YoY	0.58% +27.6% YoY	0.67% +19.3% YoY	Bottom 13.7% in tier
Tier 1 Capital Ratio ?	11.20% +6.3% YoY +1.5% QoQ	-3.96%	15.16% +2.0% YoY	20.91% +0.5% YoY	17.06% +0.8% YoY	19%
Non-Interest Income / Assets ?	0.91% +54.8% YoY -66.0% QoQ	+0.65%	0.26% +1.6% YoY	0.19% +5.8% YoY	0.32% +4.1% YoY	Top 3.1% 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 (2)

Revenue Diversifier

growth

#67 of 221 • Top 29.9% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.91%

(Tier: 0.26%, National: 0.32%)

better than tier avg

Return on Assets: 1.05%

(Tier: 1.37%, National: 1.23%)

but worse than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Deposit Franchise

growth

#33 of 86 • Top 37.2% 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: 40.16%

(Tier: 21.29%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.24%

(Tier: 3.82%, National: 3.89%)

better than tier avg

86 of 86 Mid-Market banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank declining

Concerns (6)

Deposit Outflow

decline

#4 of 130 • Bottom 2.3% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

130 of 130 Mid-Market banks match · 656 nationally

→ Stable -8 banks QoQ

Capital Thin

risk

#64 of 221 • Bottom 28.5% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 11.20%

(Tier: 15.16%, National: 17.06%)

worse than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#197 of 420 • Bottom 46.7% 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

#165 of 334 • Bottom 49.1% 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: 106.56%

(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 declining

Efficiency Drag

risk

#39 of 74 • Bottom 51.4% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 82.39%

(Tier: 61.06%, National: 66.95%)

worse than tier avg

74 of 74 Mid-Market banks match · 492 nationally

→ Stable | QoQ rank improving

Capital Constraint

risk

#27 of 37 • Bottom 70.3% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 106.56%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 11.20%

(Tier: 15.16%, National: 17.06%)

worse than tier avg

37 of 37 Mid-Market banks match · 148 nationally

↑ Growing +19 banks QoQ

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 (3 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 0.91%

Peer Median: 0.26%

#28 of 884 Top 3.1% in $1B-$10B

Non-Interest-Bearing Deposit Share

funding

Value: 40.16%

Peer Median: 21.29%

#41 of 884 Top 4.5% in $1B-$10B

170

Net Interest Margin

profitability

Value: 4.24%

Peer Median: 3.82%

#170 of 884 Top 19.1% in $1B-$10B

Top Weaknesses (6 metrics)

831

Loan-to-Deposit Ratio

liquidity

Value: 106.56%

Peer Median: 84.20%

#831 of 884 Bottom 6.1% in $1B-$10B

828

Efficiency Ratio

profitability

Value: 82.39%

Peer Median: 61.06%

#828 of 884 Bottom 6.4% in $1B-$10B

764

Nonperforming Asset Ratio

credit_quality

Value: 1.30%

Peer Median: 0.67%

#764 of 884 Bottom 13.7% in $1B-$10B

754

Delinquency Rate

credit_quality

Value: 1.58%

Peer Median: 0.89%

#754 of 880 Bottom 14.4% in $1B-$10B

713

Tier 1 Capital Ratio

capital

Value: 11.20%

Peer Median: 15.16%

#713 of 884 Bottom 19.5% in $1B-$10B

707

Total Deposits

size

Value: $1.06B

Peer Median: $2.34B

#707 of 884 Bottom 20.1% in $1B-$10B