BlastPoint's Banking Scorecard

First National Bank of Michigan

$100M-$1B Specialty: Commercial MI FDIC cert 58259

Kalamazoo, 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 +3.9% year over year ($807.2M on the books).
Delinquency rate 0.81%.
Return on assets 0.98%.
Efficiency ratio 58.75% vs a 64.48% peer average.
Loan-to-deposit ratio 100.89% 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) →

First National Bank of Michigan has 2 strengths 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

+ Efficiency Ratio 5.73% below tier average
+ Delinquency Rate 0.11% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 31.3% in tier
- Flatlined Growth: Bottom 41.4% in tier
- Loan-to-Deposit Ratio 22.94% above tier average
- ROA 0.34% below tier average
- Net Interest Margin 0.62% below tier average

Get updates when First National Bank of Michigan releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Total Assets ?	$988.9M +0.8% YoY +0.7% QoQ	+$602.3M	$386.6M +1.2% YoY	$1.0B +6.5% YoY	$6.3B +7.7% YoY	Top 0.4% in tier
Total Loans ?	$814.4M +6.4% YoY +0.1% QoQ	+$556.0M	$258.3M +1.7% YoY	$767.2M +9.2% YoY	$3.2B +9.4% YoY	Top 0.2% in tier
Total Deposits ?	$807.2M +3.9% YoY +6.1% QoQ	+$480.4M	$326.7M +0.7% YoY	$806.0M +5.9% YoY	$4.9B +7.3% YoY	Top 1.7% in tier
Return on Assets ?	0.98% +45.8% YoY +6.5% QoQ	-0.34%	1.32% +10.8% YoY	1.18% +20.1% YoY	1.30% +12.1% YoY	32%
Net Interest Margin ?	3.37% +20.6% YoY +2.7% QoQ	-0.62%	3.99% +5.0% YoY	4.06% +4.7% YoY	3.95% +4.9% YoY	22%
Efficiency Ratio ?	58.75% -11.8% YoY -1.8% QoQ	-5.73%	64.48% -3.2% YoY	65.90% -5.4% YoY	70.05% +2.5% YoY	61%
Delinquency Rate ?	0.81% -0.7% QoQ	-0.11%	0.92% +15.7% YoY	0.85% +32.2% YoY	0.98% +16.3% YoY	34%
Loan-to-Deposit Ratio ?	100.89% +2.4% YoY -5.7% QoQ	+22.94%	77.95% +1.0% YoY	80.02% +3.0% YoY	79.03% +2.3% YoY	Bottom 8.9% in tier
Non-Interest-Bearing Deposit Share ?	18.28% -6.1% YoY -1.4% QoQ	-3.75%	22.03% -0.6% YoY	25.55% -0.4% YoY	21.98% -0.6% YoY	37%
Nonperforming Asset Ratio ?	0.67% -1.3% QoQ	+0.00%	0.67% +16.4% YoY	0.65% +27.6% YoY	0.69% +15.8% YoY	32%
Tier 1 Capital Ratio ?	10.96% +0.7% YoY +0.2% QoQ	-4.95%	15.91% +1.4% YoY	20.80% -0.9% YoY	17.09% +0.8% YoY	23%
Non-Interest Income / Assets ?	0.09% +25.5% YoY +124.4% QoQ	-0.47%	0.57% +7.6% YoY	0.38% +3.3% YoY	0.66% +5.2% YoY	16%

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	18.3% -1.2pp YoY -0.3pp QoQ	-3.9pp	22.1%	25.9%	22.2%	37%
Brokered Deposits	22.5% +2.4pp YoY +3.0pp QoQ	+14.6pp	7.9%	12.3%	8.5%	93%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
C&I	14.2% -1.0pp YoY +0.7pp QoQ	+2.7pp	11.6%	12.8%	12.5%	73%
CRE	79.4% -0.4pp YoY -0.8pp QoQ	+39.9pp	39.5%	45.9%	41.4%	97%
1-4 Family	7.8% +1.4pp YoY +0.2pp QoQ	-24.9pp	32.6%	33.6%	31.3%	8%
Consumer	0.1% 0.0pp YoY 0.0pp QoQ	-4.0pp	4.1%	4.6%	5.0%	4%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
CET1 Ratio	11.0% +0.1pp YoY 0.0pp QoQ	-7.9pp	18.8%	26.9%	19.7%	8%
Leverage Ratio	9.5% +0.3pp YoY +0.1pp QoQ	-2.6pp	12.2%	12.3%	12.6%	22%
Total Capital Ratio	12.2% +0.1pp YoY 0.0pp QoQ	-7.7pp	19.9%	27.9%	20.8%	9%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Full-Time Employees	78 -2 (-2.5%) YoY -3 (-3.7%) QoQ	+19	58	134	482	76%
Assets per Employee ($)	$12.7M +3.4% YoY +4.5% QoQ	+$5.2M	$7.5M	$6.8M	$8.8M	94%
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	n/a	n/a	0.3%	0.2%	0.4%	n/a
Nonaccrual	0.8% +0.8pp YoY 0.0pp QoQ	-0.1pp	0.9%	0.8%	1.0%	66%
Allowance Coverage	1.81x -95.2% YoY +4.9% QoQ	-22.35x	24.15x	6.79x	20.23x	44%
Net Charge-off Rate (YTD)	-0.0%	-0.1pp	0.1%	0.1%	0.2%	26%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
ROE	10.8% +2.9pp YoY +0.6pp QoQ	-1.3pp	12.2%	11.7%	11.6%	42%
Cost of Funds (YTD)	2.2% -0.3pp YoY 0.0pp QoQ	+0.5pp	1.7%	1.5%	1.7%	80%
Net Income ($, YTD)	$4.8M +48.1% YoY — QoQ	+$2.3M	$2.6M	$7.3M	$40.4M	86%

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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 (2)

Capital Thin

risk

#208 of 661 • Bottom 31.3% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.96%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Flatlined Growth

risk

#220 of 529 • Bottom 41.4% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.98%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

Total Loans

size

Value: $814.37M

Peer Median: $258.35M

#6 of 2643 Top 0.2% in $100M-$1B

Total Assets

size

Value: $988.87M

Peer Median: $386.57M

#12 of 2643 Top 0.4% in $100M-$1B

Total Deposits

size

Value: $807.17M

Peer Median: $326.73M

#47 of 2643 Top 1.7% in $100M-$1B

Top Weaknesses (4 metrics)

2409

Loan-to-Deposit Ratio

liquidity

Value: 100.89%

Peer Median: 77.95%

#2409 of 2643 Bottom 8.9% in $100M-$1B

2209

Non-Interest Income / Assets

revenue_mix

Value: 0.09%

Peer Median: 0.57%

#2209 of 2643 Bottom 16.5% in $100M-$1B

2060

Net Interest Margin

profitability

Value: 3.37%

Peer Median: 3.99%

#2060 of 2643 Bottom 22.1% in $100M-$1B

2045

Tier 1 Capital Ratio

capital

Value: 10.96%

Peer Median: 15.91%

#2045 of 2643 Bottom 22.7% in $100M-$1B