BlastPoint's Banking Scorecard
First National Bank of Michigan
Kalamazoo, MI
7 branches across MI
First National Bank of Michigan has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 5.46% below tier average
- + Delinquency Rate 0.07% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 32.8% in tier
- - Capital Thin: Bottom 41.1% in tier
- - Loan-to-Deposit Ratio 30.39% above tier average
- - ROA 0.35% below tier average
- - Net Interest Margin 0.65% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$982.4M
+2.4% YoY
-0.4% QoQ
|
+$596.4M |
$386.1M
+0.5% YoY
|
$993.6M
+8.4% YoY
|
$6.2B
+9.1% YoY
|
Top 0.6% in tier |
| Total Loans ? |
$813.9M
+9.7% YoY
+1.5% QoQ
|
+$558.1M |
$255.7M
+1.1% YoY
|
$752.3M
+12.4% YoY
|
$3.2B
+10.8% YoY
|
Top 0.2% in tier |
| Total Deposits ? |
$760.4M
-1.0% YoY
-1.5% QoQ
|
+$432.5M |
$328.0M
+0.1% YoY
|
$797.0M
+7.4% YoY
|
$4.8B
+8.2% YoY
|
Top 4.1% in tier |
| Return on Assets ? |
0.92%
+40.6% YoY
+20.1% QoQ
|
-0.35% |
1.27%
+12.9% YoY
|
1.15%
+25.2% YoY
|
1.23%
+13.4% YoY
|
33% |
| Net Interest Margin ? |
3.28%
+20.8% YoY
+11.3% QoQ
|
-0.65% |
3.93%
+6.0% YoY
|
3.99%
+5.8% YoY
|
3.89%
+5.7% YoY
|
21% |
| Efficiency Ratio ? |
59.82%
-12.9% YoY
-7.4% QoQ
|
-5.46% |
65.29%
-4.5% YoY
|
66.95%
-6.2% YoY
|
66.95%
-4.1% YoY
|
60% |
| Delinquency Rate ? |
0.82%
+755.7% YoY
-2.2% QoQ
|
-0.07% |
0.89%
+18.8% YoY
|
0.77%
+21.7% YoY
|
0.95%
+18.8% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
107.02%
+10.8% YoY
+3.0% QoQ
|
+30.39% |
76.64%
+0.8% YoY
|
78.66%
+4.9% YoY
|
76.70%
+0.9% YoY
|
Bottom 3.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.54%
-8.9% YoY
-9.2% QoQ
|
-3.48% |
22.02%
-1.0% YoY
|
24.69%
-2.1% YoY
|
22.01%
-1.2% YoY
|
38% |
| Nonperforming Asset Ratio ? |
0.68%
+816.6% YoY
-0.4% QoQ
|
+0.04% |
0.64%
+19.7% YoY
|
0.58%
+27.6% YoY
|
0.67%
+19.3% YoY
|
30% |
| Tier 1 Capital Ratio ? |
10.94%
+0.8% YoY
+1.0% QoQ
|
-4.89% |
15.83%
+1.5% YoY
|
20.91%
+0.5% YoY
|
17.06%
+0.8% YoY
|
22% |
| Non-Interest Income / Assets ? |
0.04%
+11.6% YoY
-72.8% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.19%
+5.8% YoY
|
0.32%
+4.1% YoY
|
15% |
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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)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.