BlastPoint's Banking Scorecard
Superior National Bank
Designations: ✓ Community bank
Hancock, MI
10 branches across MI
Superior National Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.41% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.29% below tier average
- - Net Interest Margin 0.06% below tier average
- - Efficiency Ratio 8.40% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+5.6% YoY
+1.7% QoQ
|
-$1.8B |
$2.8B
-0.1% YoY
|
$993.6M
+8.4% YoY
|
$6.2B
+9.1% YoY
|
Bottom 5.4% in tier |
| Total Loans ? |
$651.7M
+0.9% YoY
+0.1% QoQ
|
-$1.3B |
$2.0B
+0.6% YoY
|
$752.3M
+12.4% YoY
|
$3.2B
+10.8% YoY
|
Bottom 6.4% in tier |
| Total Deposits ? |
$886.6M
+5.2% YoY
+2.2% QoQ
|
-$1.5B |
$2.3B
-0.3% YoY
|
$797.0M
+7.4% YoY
|
$4.8B
+8.2% YoY
|
Bottom 5.5% in tier |
| Return on Assets ? |
1.08%
+62.4% YoY
+2.4% QoQ
|
-0.29% |
1.37%
+19.6% YoY
|
1.15%
+25.2% YoY
|
1.23%
+13.4% YoY
|
39% |
| Net Interest Margin ? |
3.76%
+8.8% YoY
+1.2% QoQ
|
-0.06% |
3.82%
+6.9% YoY
|
3.99%
+5.8% YoY
|
3.89%
+5.7% YoY
|
57% |
| Efficiency Ratio ? |
69.46%
-12.1% YoY
-2.2% QoQ
|
+8.40% |
61.06%
-4.6% YoY
|
66.95%
-6.2% YoY
|
66.95%
-4.1% YoY
|
24% |
| Delinquency Rate ? |
0.48%
-61.0% YoY
-3.1% QoQ
|
-0.41% |
0.89%
+14.1% YoY
|
0.77%
+21.7% YoY
|
0.95%
+18.8% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
73.51%
-4.0% YoY
-2.1% QoQ
|
-10.70% |
84.20%
+0.3% YoY
|
78.66%
+4.9% YoY
|
76.70%
+0.9% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
22.28%
-3.1% YoY
-6.0% QoQ
|
+0.99% |
21.29%
-2.5% YoY
|
24.69%
-2.1% YoY
|
22.01%
-1.2% YoY
|
62% |
| Nonperforming Asset Ratio ? |
0.40%
-50.2% YoY
-3.9% QoQ
|
-0.28% |
0.67%
+15.6% YoY
|
0.58%
+27.6% YoY
|
0.67%
+19.3% YoY
|
53% |
| Tier 1 Capital Ratio ? |
17.56%
+3.5% YoY
+0.2% QoQ
|
+2.40% |
15.16%
+2.0% YoY
|
20.91%
+0.5% YoY
|
17.06%
+0.8% YoY
|
Top 13.5% in tier |
| Non-Interest Income / Assets ? |
0.27%
+22.7% YoY
-74.3% QoQ
|
+0.01% |
0.26%
+1.6% YoY
|
0.19%
+5.8% YoY
|
0.32%
+4.1% YoY
|
83% |
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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 (0)
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Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.