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The Dart Bank

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

Designations: ✓ Community bank

Mason, MI

4 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 +10.2% year over year ($1.3B on the books).
  • Delinquency rate 1.77%.
  • Return on assets 0.97%.
  • Efficiency ratio 83.72% vs a 59.73% peer average.
  • Loan-to-deposit ratio 91.00% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 18 in MI
View $1B-$10B leaderboard (MI) →

The Dart Bank has 2 strengths but faces 4 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 30.6% in tier
  • + Deposit Franchise: Top 48.8% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 5.5% in tier
  • - Efficiency Drag: Bottom 45.0% in tier
  • - ROA 0.43% below tier average
  • - Delinquency Rate 0.90% above tier average
Get updates when The Dart 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 ? $1.5B
+7.6% YoY +7.6% QoQ
-$1.3B $2.8B
-0.6% YoY
$1.0B
+6.5% YoY
$6.3B
+7.7% YoY
33%
Total Loans ? $1.2B
-0.4% YoY +2.5% QoQ
-$808.0M $2.0B
-0.3% YoY
$767.2M
+9.2% YoY
$3.2B
+9.4% YoY
41%
Total Deposits ? $1.3B
+10.2% YoY +20.0% QoQ
-$1.0B $2.3B
-0.5% YoY
$806.0M
+5.9% YoY
$4.9B
+7.3% YoY
35%
Return on Assets ? 0.97%
+12.1% YoY -7.7% QoQ
-0.43% 1.39%
+17.0% YoY
1.18%
+20.1% YoY
1.30%
+12.1% YoY
28%
Net Interest Margin ? 4.21%
+4.2% YoY -0.6% QoQ
+0.34% 3.87%
+6.2% YoY
4.06%
+4.7% YoY
3.95%
+4.9% YoY
78%
Efficiency Ratio ? 83.72%
+1.3% YoY +1.6% QoQ
+23.99% 59.73%
-12.6% YoY
65.90%
-5.4% YoY
70.05%
+2.5% YoY
Bottom 4.3% in tier
Delinquency Rate ? 1.77%
+42.9% YoY +12.2% QoQ
+0.90% 0.87%
+11.7% YoY
0.85%
+32.2% YoY
0.98%
+16.3% YoY
Bottom 11.3% in tier
Loan-to-Deposit Ratio ? 91.00%
-9.6% YoY -14.6% QoQ
+5.96% 85.04%
-0.1% YoY
80.02%
+3.0% YoY
79.03%
+2.3% YoY
37%
Non-Interest-Bearing Deposit Share ? 38.54%
-7.7% YoY -4.0% QoQ
+17.27% 21.27%
-1.5% YoY
25.55%
-0.4% YoY
21.98%
-0.6% YoY
Top 5.5% in tier
Nonperforming Asset Ratio ? 1.39%
+32.6% YoY +7.0% QoQ
+0.72% 0.67%
+11.7% YoY
0.65%
+27.6% YoY
0.69%
+15.8% YoY
Bottom 12.3% in tier
Tier 1 Capital Ratio ? 11.15%
+7.2% YoY -0.4% QoQ
-3.69% 14.84%
-0.4% YoY
20.80%
-0.9% YoY
17.09%
+0.8% YoY
20%
Non-Interest Income / Assets ? 1.78%
+36.6% YoY +95.4% QoQ
+1.25% 0.53%
+2.5% YoY
0.38%
+3.3% YoY
0.66%
+5.2% YoY
Top 3.1% 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 38.5%
-3.2pp YoY
-1.6pp QoQ
 +17.2pp 21.4% 25.9% 22.2% 94%
Brokered Deposits 24.1%
+5.2pp YoY
+7.6pp QoQ
 +14.7pp 9.5% 12.3% 8.5% 91%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
C&I 7.9%
-0.2pp YoY
+0.2pp QoQ
 -6.1pp 14.0% 12.8% 12.5% 32%
CRE 35.3%
-2.0pp YoY
-1.7pp QoQ
 -14.8pp 50.0% 45.9% 41.4% 16%
1-4 Family 56.9%
+2.3pp YoY
+1.7pp QoQ
 +30.5pp 26.4% 33.6% 31.3% 93%
Consumer 0.4%
-0.1pp YoY
0.0pp QoQ
 -4.4pp 4.7% 4.6% 5.0% 26%

Capital

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
CET1 Ratio 11.2%
+0.8pp YoY
0.0pp QoQ
 -4.4pp 15.6% 26.9% 19.7% 12%
Leverage Ratio 8.6%
+0.3pp YoY
-0.1pp QoQ
 -2.7pp 11.3% 12.3% 12.6% 7%
Total Capital Ratio 12.4%
+0.7pp YoY
0.0pp QoQ
 -4.3pp 16.7% 27.9% 20.8% 14%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Full-Time Employees 411
+67 (+19.5%) YoY
+21 (+5.4%) QoQ
 +97 313 134 482 78%
Assets per Employee ($) $3.6M
-10.0% YoY
+2.1% QoQ
 -$6.9M $10.5M $6.8M $8.8M 2%
Branch Count 4
0 YoY
0 QoQ
 -16 20 9 18 10%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Past Due 90+ Days 0.0% -0.1pp 0.2% 0.2% 0.4% 30%
Nonaccrual 1.8%
+0.5pp YoY
+0.2pp QoQ
 +0.9pp 0.8% 0.8% 1.0% 90%
Allowance Coverage 0.54x
-41.5% YoY
-12.0% QoQ
 -18.17x 18.71x 6.79x 20.23x 8%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
-0.1pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 59%

Profitability

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
ROE 11.8%
+0.9pp YoY
-0.9pp QoQ
 -0.8pp 12.6% 11.7% 11.6% 48%
Cost of Funds (YTD) 1.6%
-0.3pp YoY
0.0pp QoQ
 -0.3pp 1.9% 1.5% 1.7% 33%
Net Income ($, YTD) $6.9M
+19.1% YoY
— QoQ
 -$12.4M $19.2M $7.3M $40.4M 22%

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
#69 of 222 • Top 30.6% 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: 1.78%
(Tier: 0.53%, National: 0.66%)
better than tier avg
Return on Assets: 0.97%
(Tier: 1.39%, National: 1.30%)
but worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank declining

Deposit Franchise

growth
#40 of 80 • Top 48.8% 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: 38.54%
(Tier: 21.27%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.21%
(Tier: 3.87%, National: 3.95%)
better than tier avg
80 of 80 Mid-Market banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank declining

Concerns (2)

Liquidity Strain

risk
#21 of 361 • Bottom 5.5% 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: 91.00%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Efficiency Drag

risk
#28 of 60 • Bottom 45.0% in tier

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

Why this signature
Efficiency Ratio: 83.72%
(Tier: 59.73%, National: 70.05%)
worse than tier avg
60 of 60 Mid-Market banks match · 426 nationally
↓ Shrinking -64 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).
Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

28
Non-Interest Income / Assets
revenue_mix
Value: 1.78%
Peer Median: 0.53%
#28 of 885 Top 3.1% in $1B-$10B
50
Non-Interest-Bearing Deposit Share
funding
Value: 38.54%
Peer Median: 21.27%
#50 of 885 Top 5.5% in $1B-$10B
196
Net Interest Margin
profitability
Value: 4.21%
Peer Median: 3.87%
#196 of 885 Top 22.0% in $1B-$10B

Top Weaknesses (4 metrics)

848
Efficiency Ratio
profitability
Value: 83.72%
Peer Median: 59.73%
#848 of 885 Bottom 4.3% in $1B-$10B
783
Delinquency Rate
credit_quality
Value: 1.77%
Peer Median: 0.87%
#783 of 882 Bottom 11.3% in $1B-$10B
777
Nonperforming Asset Ratio
credit_quality
Value: 1.39%
Peer Median: 0.67%
#777 of 885 Bottom 12.3% in $1B-$10B
706
Tier 1 Capital Ratio
capital
Value: 11.15%
Peer Median: 14.84%
#706 of 885 Bottom 20.3% in $1B-$10B
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