BlastPoint's Banking Scorecard
Northstar Bank
Bad Axe, MI
11 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 +13.1% year over year ($973.6M on the books).
- Delinquency rate 0.81%.
- Return on assets 1.30%.
- Efficiency ratio 61.39% vs a 59.73% peer average.
- Loan-to-deposit ratio 100.97% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Northstar Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.10% above tier average
- + Delinquency Rate 0.06% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.09% below tier average
- - Efficiency Ratio 1.66% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+11.4% YoY
+2.3% QoQ
|
-$1.6B |
$2.8B
-0.6% YoY
|
$1.0B
+6.5% YoY
|
$6.3B
+7.7% YoY
|
Bottom 14.2% in tier |
| Total Loans ? |
$983.0M
+11.9% YoY
+2.2% QoQ
|
-$980.2M |
$2.0B
-0.3% YoY
|
$767.2M
+9.2% YoY
|
$3.2B
+9.4% YoY
|
30% |
| Total Deposits ? |
$973.6M
+13.1% YoY
-0.6% QoQ
|
-$1.3B |
$2.3B
-0.5% YoY
|
$806.0M
+5.9% YoY
|
$4.9B
+7.3% YoY
|
Bottom 13.6% in tier |
| Return on Assets ? |
1.30%
+14.5% YoY
+1.4% QoQ
|
-0.09% |
1.39%
+17.0% YoY
|
1.18%
+20.1% YoY
|
1.30%
+12.1% YoY
|
54% |
| Net Interest Margin ? |
3.97%
-3.1% YoY
+1.6% QoQ
|
+0.10% |
3.87%
+6.2% YoY
|
4.06%
+4.7% YoY
|
3.95%
+4.9% YoY
|
66% |
| Efficiency Ratio ? |
61.39%
+4.1% YoY
+0.3% QoQ
|
+1.66% |
59.73%
-12.6% YoY
|
65.90%
-5.4% YoY
|
70.05%
+2.5% YoY
|
42% |
| Delinquency Rate ? |
0.81%
-24.4% YoY
+24.1% QoQ
|
-0.06% |
0.87%
+11.7% YoY
|
0.85%
+32.2% YoY
|
0.98%
+16.3% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
100.97%
-1.0% YoY
+2.9% QoQ
|
+15.94% |
85.04%
-0.1% YoY
|
80.02%
+3.0% YoY
|
79.03%
+2.3% YoY
|
Bottom 12.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.80%
-15.6% YoY
+6.2% QoQ
|
-0.47% |
21.27%
-1.5% YoY
|
25.55%
-0.4% YoY
|
21.98%
-0.6% YoY
|
56% |
| Nonperforming Asset Ratio ? |
1.14%
-16.0% YoY
+2.0% QoQ
|
+0.46% |
0.67%
+11.7% YoY
|
0.65%
+27.6% YoY
|
0.69%
+15.8% YoY
|
18% |
| Tier 1 Capital Ratio ? |
9.11%
-2.4% YoY
+2.4% QoQ
|
-5.73% |
14.84%
-0.4% YoY
|
20.80%
-0.9% YoY
|
17.09%
+0.8% YoY
|
Bottom 1.0% in tier |
| Non-Interest Income / Assets ? |
0.37%
-15.8% YoY
+82.4% QoQ
|
-0.15% |
0.53%
+2.5% YoY
|
0.38%
+3.3% YoY
|
0.66%
+5.2% YoY
|
67% |
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 |
20.8%
-3.8pp YoY +1.2pp QoQ |
-0.6pp | 21.4% | 25.9% | 22.2% | 55% |
| Brokered Deposits |
5.8%
+0.7pp YoY -2.2pp QoQ |
-3.7pp | 9.5% | 12.3% | 8.5% | 53% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
15.1%
-0.5pp YoY -0.7pp QoQ |
+1.1pp | 14.0% | 12.8% | 12.5% | 68% |
| CRE |
58.3%
+3.2pp YoY +1.6pp QoQ |
+8.3pp | 50.0% | 45.9% | 41.4% | 72% |
| 1-4 Family |
15.8%
-1.6pp YoY -0.5pp QoQ |
-10.7pp | 26.4% | 33.6% | 31.3% | 33% |
| Consumer |
1.0%
-0.2pp YoY 0.0pp QoQ |
-3.8pp | 4.7% | 4.6% | 5.0% | 44% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 26.9% | 19.7% | n/a |
| Leverage Ratio |
9.1%
-0.2pp YoY +0.2pp QoQ |
-2.2pp | 11.3% | 12.3% | 12.6% | 15% |
| Total Capital Ratio | n/a | n/a | 16.7% | 27.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
160
+12 (+8.1%) YoY +6 (+3.9%) QoQ |
-154 | 313 | 134 | 482 | 27% |
| Assets per Employee ($) |
$7.3M
+3.0% YoY -1.5% QoQ |
-$3.2M | $10.5M | $6.8M | $8.8M | 27% |
| Branch Count |
11
0 YoY 0 QoQ |
-9 | 20 | 9 | 18 | 35% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.2% | 0.0pp | 0.2% | 0.2% | 0.4% | 85% |
| Nonaccrual |
0.6%
-0.4pp YoY 0.0pp QoQ |
-0.2pp | 0.8% | 0.8% | 1.0% | 60% |
| Allowance Coverage |
1.67x
+38.4% YoY -19.3% QoQ |
-17.04x | 18.71x | 6.79x | 20.23x | 41% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.5pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 4% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.1%
+2.1pp YoY +0.1pp QoQ |
+2.5pp | 12.6% | 11.7% | 11.6% | 74% |
| Cost of Funds (YTD) |
1.9%
+0.1pp YoY 0.0pp QoQ |
-0.1pp | 1.9% | 1.5% | 1.7% | 47% |
| Net Income ($, YTD) |
$7.4M
+27.4% YoY — QoQ |
-$11.8M | $19.2M | $7.3M | $40.4M | 27% |
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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)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.