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The First National Bank of St. Ignace

$100M-$1B Specialty: Other MI FDIC cert 5074

St. Ignace, 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 +3.0% year over year ($316.3M on the books).
  • Delinquency rate 0.66%.
  • Return on assets 0.63%.
  • Efficiency ratio 74.96% vs a 64.48% peer average.
  • Loan-to-deposit ratio 35.13% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 47 in MI
View $100M-$1B leaderboard (MI) →

The First National Bank of St. Ignace has 1 strength but faces 5 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

  • + Delinquency Rate 0.26% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 36.1% in tier
  • - Credit Quality Pressure: Bottom 40.9% in tier
  • - Net Interest Margin 1.01% below tier average
  • - ROA 0.69% below tier average
  • - Efficiency Ratio 10.48% above tier average
Get updates when The First National Bank of St. Ignace releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Total Assets ? $335.8M
+4.4% YoY +0.4% QoQ
-$50.8M $386.6M
+1.2% YoY
$1.0B
+6.5% YoY
$6.3B
+7.7% YoY
52%
Total Loans ? $111.1M
+7.2% YoY +1.1% QoQ
-$147.2M $258.3M
+1.7% YoY
$767.2M
+9.2% YoY
$3.2B
+9.4% YoY
22%
Total Deposits ? $316.3M
+3.0% YoY +0.4% QoQ
-$10.5M $326.7M
+0.7% YoY
$806.0M
+5.9% YoY
$4.9B
+7.3% YoY
58%
Return on Assets ? 0.63%
-0.6% QoQ
-0.69% 1.32%
+10.8% YoY
1.18%
+20.1% YoY
1.30%
+12.1% YoY
16%
Net Interest Margin ? 2.97%
+51.6% YoY +0.2% QoQ
-1.01% 3.99%
+5.0% YoY
4.06%
+4.7% YoY
3.95%
+4.9% YoY
Bottom 9.2% in tier
Efficiency Ratio ? 74.96%
-25.9% YoY +0.4% QoQ
+10.48% 64.48%
-3.2% YoY
65.90%
-5.4% YoY
70.05%
+2.5% YoY
20%
Delinquency Rate ? 0.66%
+42.9% YoY
-0.26% 0.92%
+15.7% YoY
0.85%
+32.2% YoY
0.98%
+16.3% YoY
39%
Loan-to-Deposit Ratio ? 35.13%
+4.1% YoY +0.7% QoQ
-42.82% 77.95%
+1.0% YoY
80.02%
+3.0% YoY
79.03%
+2.3% YoY
Top 2.8% in tier
Non-Interest-Bearing Deposit Share ? 27.29%
+0.2% YoY +9.7% QoQ
+5.26% 22.03%
-0.6% YoY
25.55%
-0.4% YoY
21.98%
-0.6% YoY
74%
Nonperforming Asset Ratio ? 0.22%
+46.8% YoY
-0.45% 0.67%
+16.4% YoY
0.65%
+27.6% YoY
0.69%
+15.8% YoY
59%
Tier 1 Capital Ratio ? 16.19%
+3.9% YoY +1.0% QoQ
+0.28% 15.91%
+1.4% YoY
20.80%
-0.9% YoY
17.09%
+0.8% YoY
73%
Non-Interest Income / Assets ? 0.18%
-23.3% YoY +104.9% QoQ
-0.38% 0.57%
+7.6% YoY
0.38%
+3.3% YoY
0.66%
+5.2% YoY
44%

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 27.3%
+0.1pp YoY
+2.4pp QoQ
 +5.1pp 22.1% 25.9% 22.2% 74%
Brokered Deposits n/a n/a 7.9% 12.3% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
C&I 7.0%
-0.7pp YoY
-0.9pp QoQ
 -4.6pp 11.6% 12.8% 12.5% 33%
CRE 50.3%
-3.3pp YoY
-0.8pp QoQ
 +10.7pp 39.5% 45.9% 41.4% 70%
1-4 Family 25.1%
+1.9pp YoY
+1.6pp QoQ
 -7.5pp 32.6% 33.6% 31.3% 41%
Consumer 14.4%
+1.8pp YoY
-0.4pp QoQ
 +10.2pp 4.1% 4.6% 5.0% 96%

Capital

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
CET1 Ratio 16.2%
+0.6pp YoY
+0.2pp QoQ
 -2.6pp 18.8% 26.9% 19.7% 59%
Leverage Ratio 7.8%
+0.1pp YoY
+0.4pp QoQ
 -4.4pp 12.2% 12.3% 12.6% 1%
Total Capital Ratio 16.7%
+0.5pp YoY
+0.2pp QoQ
 -3.2pp 19.9% 27.9% 20.8% 55%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Full-Time Employees 60
+3 (+5.3%) YoY
+5 (+9.1%) QoQ
 +1 58 134 482 63%
Assets per Employee ($) $5.6M
-0.9% YoY
-8.0% QoQ
 -$1.9M $7.5M $6.8M $8.8M 25%
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 0.6%
+0.2pp YoY
+0.6pp QoQ
 +0.3pp 0.3% 0.2% 0.4% 85%
Nonaccrual 0.0%
0.0pp QoQ
 -0.9pp 0.9% 0.8% 1.0% 9%
Allowance Coverage 1.18x
-41.3% YoY
-93.8% QoQ
 -22.97x 24.15x 6.79x 20.23x 31%
Net Charge-off Rate (YTD) 0.2%
+0.2pp YoY
-0.2pp QoQ
 0.0pp 0.1% 0.1% 0.2% 83%

Profitability

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
ROE 12.0%
+12.2pp YoY
0.0pp QoQ
 -0.2pp 12.2% 11.7% 11.6% 50%
Cost of Funds (YTD) 1.1%
-0.1pp YoY
0.0pp QoQ
 -0.6pp 1.7% 1.5% 1.7% 13%
Net Income ($, YTD) $1.1M
+8300.0% YoY
— QoQ
 -$1.5M $2.6M $7.3M $40.4M 28%

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 (0)

No matched strength signatures this quarter

Concerns (2)

Credit Risk Growth

risk
#339 of 936 • Bottom 36.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk
#515 of 1256 • Bottom 40.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.66%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (1 metrics)

74
Loan-to-Deposit Ratio
liquidity
Value: 35.13%
Peer Median: 77.95%
#74 of 2643 Top 2.8% in $100M-$1B

Top Weaknesses (4 metrics)

2402
Net Interest Margin
profitability
Value: 2.97%
Peer Median: 3.99%
#2402 of 2643 Bottom 9.2% in $100M-$1B
2216
Return on Assets
profitability
Value: 0.63%
Peer Median: 1.32%
#2216 of 2643 Bottom 16.2% in $100M-$1B
2107
Efficiency Ratio
profitability
Value: 74.96%
Peer Median: 64.48%
#2107 of 2643 Bottom 20.3% in $100M-$1B
2052
Total Loans
size
Value: $111.12M
Peer Median: $258.35M
#2052 of 2643 Bottom 22.4% in $100M-$1B
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