BlastPoint's Banking Scorecard
Northstar Bank
Bad Axe, MI
11 branches across MI
Northstar Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.09% above tier average
- + Delinquency Rate 0.23% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 48.4% in tier
- - NIB Deposit Bleed: Bottom 52.8% in tier
- - ROA 0.08% below tier average
- - Efficiency Ratio 0.15% 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
+10.6% YoY
-0.7% QoQ
|
-$1.7B |
$2.8B
-0.1% YoY
|
$993.6M
+8.4% YoY
|
$6.2B
+9.1% YoY
|
Bottom 12.0% in tier |
| Total Loans ? |
$961.4M
+11.9% YoY
+0.9% QoQ
|
-$1.0B |
$2.0B
+0.6% YoY
|
$752.3M
+12.4% YoY
|
$3.2B
+10.8% YoY
|
30% |
| Total Deposits ? |
$979.9M
+8.1% YoY
+3.8% QoQ
|
-$1.4B |
$2.3B
-0.3% YoY
|
$797.0M
+7.4% YoY
|
$4.8B
+8.2% YoY
|
Bottom 13.5% in tier |
| Return on Assets ? |
1.28%
-6.9% YoY
-2.3% QoQ
|
-0.08% |
1.37%
+19.6% YoY
|
1.15%
+25.2% YoY
|
1.23%
+13.4% YoY
|
55% |
| Net Interest Margin ? |
3.91%
-2.8% YoY
-4.9% QoQ
|
+0.09% |
3.82%
+6.9% YoY
|
3.99%
+5.8% YoY
|
3.89%
+5.7% YoY
|
67% |
| Efficiency Ratio ? |
61.21%
+0.5% YoY
+5.7% QoQ
|
+0.15% |
61.06%
-4.6% YoY
|
66.95%
-6.2% YoY
|
66.95%
-4.1% YoY
|
45% |
| Delinquency Rate ? |
0.65%
-50.6% YoY
-32.2% QoQ
|
-0.23% |
0.89%
+14.1% YoY
|
0.77%
+21.7% YoY
|
0.95%
+18.8% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
98.12%
+3.5% YoY
-2.8% QoQ
|
+13.91% |
84.20%
+0.3% YoY
|
78.66%
+4.9% YoY
|
76.70%
+0.9% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
19.59%
-15.9% YoY
-10.7% QoQ
|
-1.70% |
21.29%
-2.5% YoY
|
24.69%
-2.1% YoY
|
22.01%
-1.2% YoY
|
49% |
| Nonperforming Asset Ratio ? |
1.11%
-24.7% YoY
-18.0% QoQ
|
+0.44% |
0.67%
+15.6% YoY
|
0.58%
+27.6% YoY
|
0.67%
+19.3% YoY
|
17% |
| Tier 1 Capital Ratio ? |
8.90%
-4.5% YoY
+1.9% QoQ
|
-6.26% |
15.16%
+2.0% YoY
|
20.91%
+0.5% YoY
|
17.06%
+0.8% YoY
|
Bottom 0.2% in tier |
| Non-Interest Income / Assets ? |
0.21%
-3.0% YoY
-74.9% QoQ
|
-0.05% |
0.26%
+1.6% YoY
|
0.19%
+5.8% YoY
|
0.32%
+4.1% YoY
|
73% |
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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 (2)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.