BlastPoint's Banking Scorecard

1st State Bank

$100M-$1B Specialty: Commercial MI FDIC cert 57626

Saginaw, MI

5 branches across MI

2664 banks in the $100M-$1B peer group nationally 46 in MI

1st State Bank shows strong momentum with 5 strengths and 7.8% YoY asset growth

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

+ Non-Interest-Bearing Deposit Share 18.81% above tier average
+ ROA 0.10% above tier average
+ Net Interest Margin 0.39% above tier average
+ Efficiency Ratio 5.10% below tier average
+ Delinquency Rate 0.23% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Total Assets ?	$484.2M +7.8% YoY +0.8% QoQ	+$98.1M	$386.1M +0.5% YoY	$993.6M +8.4% YoY	$6.2B +9.1% YoY	70%
Total Loans ?	$311.4M +6.2% YoY -0.6% QoQ	+$55.7M	$255.7M +1.1% YoY	$752.3M +12.4% YoY	$3.2B +10.8% YoY	69%
Total Deposits ?	$424.9M +7.8% YoY +1.2% QoQ	+$97.0M	$328.0M +0.1% YoY	$797.0M +7.4% YoY	$4.8B +8.2% YoY	72%
Return on Assets ?	1.37% +17.3% YoY -2.1% QoQ	+0.10%	1.27% +12.9% YoY	1.15% +25.2% YoY	1.23% +13.4% YoY	60%
Net Interest Margin ?	4.32% +3.6% YoY -1.5% QoQ	+0.39%	3.93% +6.0% YoY	3.99% +5.8% YoY	3.89% +5.7% YoY	74%
Efficiency Ratio ?	60.19% -4.3% YoY +2.2% QoQ	-5.10%	65.29% -4.5% YoY	66.95% -6.2% YoY	66.95% -4.1% YoY	59%
Delinquency Rate ?	0.66% -33.7% YoY -2.2% QoQ	-0.23%	0.89% +18.8% YoY	0.77% +21.7% YoY	0.95% +18.8% YoY	38%
Loan-to-Deposit Ratio ?	73.28% -1.5% YoY -1.7% QoQ	-3.36%	76.64% +0.8% YoY	78.66% +4.9% YoY	76.70% +0.9% YoY	61%
Non-Interest-Bearing Deposit Share ?	40.83% -7.0% YoY -1.4% QoQ	+18.81%	22.02% -1.0% YoY	24.69% -2.1% YoY	22.01% -1.2% YoY	Top 4.1% in tier
Nonperforming Asset Ratio ?	0.42% -34.7% YoY -3.5% QoQ	-0.21%	0.64% +19.7% YoY	0.58% +27.6% YoY	0.67% +19.3% YoY	42%
Tier 1 Capital Ratio ?	14.78% +9.0% YoY +0.7% QoQ	-1.05%	15.83% +1.5% YoY	20.91% +0.5% YoY	17.06% +0.8% YoY	64%
Non-Interest Income / Assets ?	0.08% -10.5% YoY -76.4% QoQ	-0.20%	0.28% +9.3% YoY	0.19% +5.8% YoY	0.32% +4.1% YoY	42%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

109

Non-Interest-Bearing Deposit Share

funding

Value: 40.83%

Peer Median: 22.02%

#109 of 2664 Top 4.1% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available