BlastPoint's Banking Scorecard
First National Bank & Trust Co.
Iron Mountain, MI
7 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 47 in MI.
- Deposits -1.4% year over year ($337.6M on the books).
- Delinquency rate 3.30%.
- Return on assets 0.85%.
- Efficiency ratio 66.99% vs a 64.48% peer average.
- Loan-to-deposit ratio 64.18% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First National Bank & Trust Co. faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.38% above tier average
- - Nonperforming Asset Ratio 1.18% above tier average
- - ROA 0.48% below tier average
- - Net Interest Margin 0.08% below tier average
- - Efficiency Ratio 2.51% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$386.4M
-2.7% YoY
-6.6% QoQ
|
-$185K |
$386.6M
+1.2% YoY
|
$1.0B
+6.5% YoY
|
$6.3B
+7.7% YoY
|
59% |
| Total Loans ? |
$216.7M
+7.5% YoY
+5.3% QoQ
|
-$41.7M |
$258.3M
+1.7% YoY
|
$767.2M
+9.2% YoY
|
$3.2B
+9.4% YoY
|
52% |
| Total Deposits ? |
$337.6M
-1.4% YoY
-5.2% QoQ
|
+$10.9M |
$326.7M
+0.7% YoY
|
$806.0M
+5.9% YoY
|
$4.9B
+7.3% YoY
|
61% |
| Return on Assets ? |
0.85%
+42.8% YoY
+1.7% QoQ
|
-0.48% |
1.32%
+10.8% YoY
|
1.18%
+20.1% YoY
|
1.30%
+12.1% YoY
|
26% |
| Net Interest Margin ? |
3.91%
+16.2% YoY
+5.2% QoQ
|
-0.08% |
3.99%
+5.0% YoY
|
4.06%
+4.7% YoY
|
3.95%
+4.9% YoY
|
48% |
| Efficiency Ratio ? |
66.99%
-13.0% YoY
-1.6% QoQ
|
+2.51% |
64.48%
-3.2% YoY
|
65.90%
-5.4% YoY
|
70.05%
+2.5% YoY
|
37% |
| Delinquency Rate ? |
3.30%
-20.0% YoY
-5.3% QoQ
|
+2.38% |
0.92%
+15.7% YoY
|
0.85%
+32.2% YoY
|
0.98%
+16.3% YoY
|
Bottom 5.4% in tier |
| Loan-to-Deposit Ratio ? |
64.18%
+9.0% YoY
+11.1% QoQ
|
-13.77% |
77.95%
+1.0% YoY
|
80.02%
+3.0% YoY
|
79.03%
+2.3% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
30.17%
+1.4% YoY
+1.0% QoQ
|
+8.14% |
22.03%
-0.6% YoY
|
25.55%
-0.4% YoY
|
21.98%
-0.6% YoY
|
83% |
| Nonperforming Asset Ratio ? |
1.85%
-14.8% YoY
+3.2% QoQ
|
+1.18% |
0.67%
+16.4% YoY
|
0.65%
+27.6% YoY
|
0.69%
+15.8% YoY
|
Bottom 8.6% in tier |
| Tier 1 Capital Ratio ? |
15.32%
+5.7% YoY
-0.4% QoQ
|
-0.59% |
15.91%
+1.4% YoY
|
20.80%
-0.9% YoY
|
17.09%
+0.8% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.56%
+11.3% YoY
+120.3% QoQ
|
-0.01% |
0.57%
+7.6% YoY
|
0.38%
+3.3% YoY
|
0.66%
+5.2% YoY
|
Top 8.0% in tier |
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 |
30.2%
+0.4pp YoY +0.3pp QoQ |
+8.0pp | 22.1% | 25.9% | 22.2% | 82% |
| Brokered Deposits |
4.4%
+0.1pp YoY +0.2pp QoQ |
-3.4pp | 7.9% | 12.3% | 8.5% | 48% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
13.9%
-4.3pp YoY -1.0pp QoQ |
+2.3pp | 11.6% | 12.8% | 12.5% | 72% |
| CRE |
48.2%
+2.1pp YoY -1.6pp QoQ |
+8.6pp | 39.5% | 45.9% | 41.4% | 67% |
| 1-4 Family |
31.3%
+0.6pp YoY +0.2pp QoQ |
-1.3pp | 32.6% | 33.6% | 31.3% | 54% |
| Consumer |
5.6%
-0.3pp YoY +0.5pp QoQ |
+1.5pp | 4.1% | 4.6% | 5.0% | 80% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.3%
+0.8pp YoY -0.1pp QoQ |
-3.5pp | 18.8% | 26.9% | 19.7% | 52% |
| Leverage Ratio |
9.5%
+0.6pp YoY +0.3pp QoQ |
-2.7pp | 12.2% | 12.3% | 12.6% | 21% |
| Total Capital Ratio |
16.6%
+0.8pp YoY -0.1pp QoQ |
-3.4pp | 19.9% | 27.9% | 20.8% | 53% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
67
-3 (-4.3%) YoY +1 (+1.5%) QoQ |
+8 | 58 | 134 | 482 | 68% |
| Assets per Employee ($) |
$5.8M
+1.6% YoY -8.0% QoQ |
-$1.8M | $7.5M | $6.8M | $8.8M | 28% |
| Branch Count |
7
0 YoY 0 QoQ |
+2 | 4 | 9 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
3.3%
-0.3pp YoY -0.2pp QoQ |
+2.4pp | 0.9% | 0.8% | 1.0% | 95% |
| Allowance Coverage |
0.71x
+49.9% YoY +10.2% QoQ |
-23.45x | 24.15x | 6.79x | 20.23x | 17% |
| Net Charge-off Rate (YTD) |
0.0%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 45% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.5%
+1.6pp YoY -0.2pp QoQ |
-2.7pp | 12.2% | 11.7% | 11.6% | 33% |
| Cost of Funds (YTD) |
1.0%
0.0pp YoY 0.0pp QoQ |
-0.7pp | 1.7% | 1.5% | 1.7% | 11% |
| Net Income ($, YTD) |
$1.7M
+42.8% YoY — QoQ |
-$847K | $2.6M | $7.3M | $40.4M | 46% |
Get Full Access to First National Bank & Trust Co.
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.