BlastPoint's Banking Scorecard
Kalamazoo County State Bank
Schoolcraft, MI
3 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 -2.6% year over year ($105.3M on the books).
- Delinquency rate 0.33%.
- Return on assets 0.54%.
- Efficiency ratio 83.26% vs a 64.48% peer average.
- Loan-to-deposit ratio 57.67% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Kalamazoo County State Bank has 3 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 12.85% above tier average
- + Net Interest Margin 0.43% above tier average
- + Delinquency Rate 0.59% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 4.2% in tier
- - Deposit Outflow: Bottom 6.9% in tier
- - Efficiency Drag: Bottom 36.8% in tier
- - Credit Quality Pressure: Bottom 42.4% in tier
- - ROA 0.78% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$118.4M
-1.3% YoY
-2.0% QoQ
|
-$268.1M |
$386.6M
+1.2% YoY
|
$1.0B
+6.5% YoY
|
$6.3B
+7.7% YoY
|
Bottom 5.1% in tier |
| Total Loans ? |
$60.7M
+11.3% YoY
+3.6% QoQ
|
-$197.6M |
$258.3M
+1.7% YoY
|
$767.2M
+9.2% YoY
|
$3.2B
+9.4% YoY
|
Bottom 4.8% in tier |
| Total Deposits ? |
$105.3M
-2.6% YoY
-2.5% QoQ
|
-$221.4M |
$326.7M
+0.7% YoY
|
$806.0M
+5.9% YoY
|
$4.9B
+7.3% YoY
|
Bottom 7.2% in tier |
| Return on Assets ? |
0.54%
+19.3% YoY
+7.2% QoQ
|
-0.78% |
1.32%
+10.8% YoY
|
1.18%
+20.1% YoY
|
1.30%
+12.1% YoY
|
Bottom 13.4% in tier |
| Net Interest Margin ? |
4.42%
+13.7% YoY
+3.6% QoQ
|
+0.43% |
3.99%
+5.0% YoY
|
4.06%
+4.7% YoY
|
3.95%
+4.9% YoY
|
76% |
| Efficiency Ratio ? |
83.26%
-1.2% YoY
-0.2% QoQ
|
+18.79% |
64.48%
-3.2% YoY
|
65.90%
-5.4% YoY
|
70.05%
+2.5% YoY
|
Bottom 10.6% in tier |
| Delinquency Rate ? |
0.33%
+27.9% QoQ
|
-0.59% |
0.92%
+15.7% YoY
|
0.85%
+32.2% YoY
|
0.98%
+16.3% YoY
|
56% |
| Loan-to-Deposit Ratio ? |
57.67%
+14.3% YoY
+6.2% QoQ
|
-20.29% |
77.95%
+1.0% YoY
|
80.02%
+3.0% YoY
|
79.03%
+2.3% YoY
|
Top 14.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
34.88%
-10.0% YoY
-3.4% QoQ
|
+12.85% |
22.03%
-0.6% YoY
|
25.55%
-0.4% YoY
|
21.98%
-0.6% YoY
|
Top 10.0% in tier |
| Nonperforming Asset Ratio ? |
0.17%
+35.2% QoQ
|
-0.50% |
0.67%
+16.4% YoY
|
0.65%
+27.6% YoY
|
0.69%
+15.8% YoY
|
64% |
| Tier 1 Capital Ratio ? |
20.34%
+0.3% YoY
+1.3% QoQ
|
+4.44% |
15.91%
+1.4% YoY
|
20.80%
-0.9% YoY
|
17.09%
+0.8% YoY
|
Top 13.0% in tier |
| Non-Interest Income / Assets ? |
0.19%
+30.1% YoY
+82.7% QoQ
|
-0.38% |
0.57%
+7.6% YoY
|
0.38%
+3.3% YoY
|
0.66%
+5.2% YoY
|
46% |
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 |
34.9%
-3.9pp YoY -1.2pp QoQ |
+12.7pp | 22.1% | 25.9% | 22.2% | 90% |
| 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 |
7.5%
-1.5pp YoY -1.5pp QoQ |
-4.0pp | 11.6% | 12.8% | 12.5% | 36% |
| CRE |
23.5%
+5.3pp YoY 0.0pp QoQ |
-16.0pp | 39.5% | 45.9% | 41.4% | 24% |
| 1-4 Family |
51.5%
+2.6pp YoY +2.9pp QoQ |
+18.9pp | 32.6% | 33.6% | 31.3% | 84% |
| Consumer |
15.8%
-6.9pp YoY -1.6pp QoQ |
+11.7pp | 4.1% | 4.6% | 5.0% | 96% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
20.3%
+0.1pp YoY +0.2pp QoQ |
+1.5pp | 18.8% | 26.9% | 19.7% | 79% |
| Leverage Ratio |
12.1%
+0.5pp YoY +0.5pp QoQ |
-0.1pp | 12.2% | 12.3% | 12.6% | 66% |
| Total Capital Ratio |
21.1%
0.0pp YoY +0.3pp QoQ |
+1.2pp | 19.9% | 27.9% | 20.8% | 78% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
34
0 YoY -1 (-2.9%) QoQ |
-25 | 58 | 134 | 482 | 33% |
| Assets per Employee ($) |
$3.5M
-1.3% YoY +0.9% QoQ |
-$4.0M | $7.5M | $6.8M | $8.8M | 2% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 9 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.3%
+0.3pp YoY +0.2pp QoQ |
-0.6pp | 0.9% | 0.8% | 1.0% | 41% |
| Allowance Coverage |
2.57x
-99.5% YoY -22.7% QoQ |
-21.58x | 24.15x | 6.79x | 20.23x | 54% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY -0.1pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 74% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.2%
+0.2pp YoY +0.3pp QoQ |
-7.0pp | 12.2% | 11.7% | 11.6% | 14% |
| Cost of Funds (YTD) |
0.7%
0.0pp YoY 0.0pp QoQ |
-1.1pp | 1.7% | 1.5% | 1.7% | 3% |
| Net Income ($, YTD) |
$324,000
+18.2% YoY — QoQ |
-$2.2M | $2.6M | $7.3M | $40.4M | 7% |
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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 (4)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.