BlastPoint's Banking Scorecard
1st State Bank
Saginaw, MI
5 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 +9.6% year over year ($428.8M on the books).
- Delinquency rate 0.35%.
- Return on assets 1.35%.
- Efficiency ratio 60.93% vs a 64.48% peer average.
- Loan-to-deposit ratio 74.23% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
1st State Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 16.65% above tier average
- + Net Interest Margin 0.33% above tier average
- + Efficiency Ratio 3.55% below tier average
- + Delinquency Rate 0.57% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$490.1M
+4.7% YoY
+1.2% QoQ
|
+$103.5M |
$386.6M
+1.2% YoY
|
$1.0B
+6.5% YoY
|
$6.3B
+7.7% YoY
|
71% |
| Total Loans ? |
$318.3M
+1.3% YoY
+2.2% QoQ
|
+$59.9M |
$258.3M
+1.7% YoY
|
$767.2M
+9.2% YoY
|
$3.2B
+9.4% YoY
|
70% |
| Total Deposits ? |
$428.8M
+9.6% YoY
+0.9% QoQ
|
+$102.0M |
$326.7M
+0.7% YoY
|
$806.0M
+5.9% YoY
|
$4.9B
+7.3% YoY
|
73% |
| Return on Assets ? |
1.35%
+8.2% YoY
-1.4% QoQ
|
+0.03% |
1.32%
+10.8% YoY
|
1.18%
+20.1% YoY
|
1.30%
+12.1% YoY
|
56% |
| Net Interest Margin ? |
4.32%
+1.4% YoY
-0.1% QoQ
|
+0.33% |
3.99%
+5.0% YoY
|
4.06%
+4.7% YoY
|
3.95%
+4.9% YoY
|
71% |
| Efficiency Ratio ? |
60.93%
-0.4% YoY
+1.2% QoQ
|
-3.55% |
64.48%
-3.2% YoY
|
65.90%
-5.4% YoY
|
70.05%
+2.5% YoY
|
55% |
| Delinquency Rate ? |
0.35%
-44.9% YoY
-46.8% QoQ
|
-0.57% |
0.92%
+15.7% YoY
|
0.85%
+32.2% YoY
|
0.98%
+16.3% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
74.23%
-7.6% YoY
+1.3% QoQ
|
-3.72% |
77.95%
+1.0% YoY
|
80.02%
+3.0% YoY
|
79.03%
+2.3% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
38.68%
-13.7% YoY
-5.3% QoQ
|
+16.65% |
22.03%
-0.6% YoY
|
25.55%
-0.4% YoY
|
21.98%
-0.6% YoY
|
Top 5.8% in tier |
| Nonperforming Asset Ratio ? |
0.31%
-27.3% YoY
-26.8% QoQ
|
-0.36% |
0.67%
+16.4% YoY
|
0.65%
+27.6% YoY
|
0.69%
+15.8% YoY
|
51% |
| Tier 1 Capital Ratio ? |
14.97%
+7.5% YoY
+1.3% QoQ
|
-0.94% |
15.91%
+1.4% YoY
|
20.80%
-0.9% YoY
|
17.09%
+0.8% YoY
|
65% |
| Non-Interest Income / Assets ? |
0.18%
+0.7% YoY
+118.3% QoQ
|
-0.38% |
0.57%
+7.6% YoY
|
0.38%
+3.3% YoY
|
0.66%
+5.2% YoY
|
45% |
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 |
38.7%
-6.2pp YoY -2.2pp QoQ |
+16.5pp | 22.1% | 25.9% | 22.2% | 94% |
| 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 |
33.7%
+0.1pp YoY +0.5pp QoQ |
+22.2pp | 11.6% | 12.8% | 12.5% | 97% |
| CRE |
54.5%
-0.4pp YoY -0.6pp QoQ |
+14.9pp | 39.5% | 45.9% | 41.4% | 77% |
| 1-4 Family |
12.9%
+0.1pp YoY 0.0pp QoQ |
-19.7pp | 32.6% | 33.6% | 31.3% | 16% |
| Consumer |
0.1%
0.0pp YoY 0.0pp QoQ |
-4.0pp | 4.1% | 4.6% | 5.0% | 5% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.0%
+1.1pp YoY +0.2pp QoQ |
-3.9pp | 18.8% | 26.9% | 19.7% | 49% |
| Leverage Ratio |
12.3%
+0.7pp YoY +0.4pp QoQ |
+0.1pp | 12.2% | 12.3% | 12.6% | 68% |
| Total Capital Ratio |
16.2%
+1.0pp YoY +0.2pp QoQ |
-3.7pp | 19.9% | 27.9% | 20.8% | 50% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
75
+5 (+7.1%) YoY +2 (+2.7%) QoQ |
+16 | 58 | 134 | 482 | 74% |
| Assets per Employee ($) |
$6.5M
-2.3% YoY -1.5% QoQ |
-$984K | $7.5M | $6.8M | $8.8M | 44% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 9 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp QoQ |
-0.3pp | 0.3% | 0.2% | 0.4% | 13% |
| Nonaccrual |
0.3%
-0.3pp YoY -0.3pp QoQ |
-0.6pp | 0.9% | 0.8% | 1.0% | 42% |
| Allowance Coverage |
4.63x
+69.4% YoY +72.9% QoQ |
-19.52x | 24.15x | 6.79x | 20.23x | 69% |
| Net Charge-off Rate (YTD) |
0.2%
+0.2pp YoY +0.2pp QoQ |
+0.1pp | 0.1% | 0.1% | 0.2% | 87% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.4%
+0.2pp YoY -0.2pp QoQ |
-0.8pp | 12.2% | 11.7% | 11.6% | 46% |
| Cost of Funds (YTD) |
1.4%
+0.1pp YoY 0.0pp QoQ |
-0.3pp | 1.7% | 1.5% | 1.7% | 32% |
| Net Income ($, YTD) |
$3.3M
+14.9% YoY — QoQ |
+$717K | $2.6M | $7.3M | $40.4M | 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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.