BlastPoint's Banking Scorecard
Mi Bank
Bloomfield Township, MI
Mi Bank has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 3.89% below tier average
- + Delinquency Rate 0.68% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 8.7% in tier
- - Flatlined Growth: Bottom 20.3% in tier
- - Non-Interest Income / Assets 0.26% below tier average
- - ROA 0.30% below tier average
- - Net Interest Margin 0.56% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$256.9M
-1.6% YoY
-12.2% QoQ
|
-$129.1M |
$386.1M
+0.5% YoY
|
$993.6M
+8.4% YoY
|
$6.2B
+9.1% YoY
|
38% |
| Total Loans ? |
$195.8M
+2.6% YoY
-2.6% QoQ
|
-$59.9M |
$255.7M
+1.1% YoY
|
$752.3M
+12.4% YoY
|
$3.2B
+10.8% YoY
|
48% |
| Total Deposits ? |
$232.9M
-1.7% YoY
-13.5% QoQ
|
-$95.1M |
$328.0M
+0.1% YoY
|
$797.0M
+7.4% YoY
|
$4.8B
+8.2% YoY
|
41% |
| Return on Assets ? |
0.97%
+395.1% YoY
+252.9% QoQ
|
-0.30% |
1.27%
+12.9% YoY
|
1.15%
+25.2% YoY
|
1.23%
+13.4% YoY
|
36% |
| Net Interest Margin ? |
3.37%
+19.7% YoY
+9.1% QoQ
|
-0.56% |
3.93%
+6.0% YoY
|
3.99%
+5.8% YoY
|
3.89%
+5.7% YoY
|
25% |
| Efficiency Ratio ? |
61.40%
-13.0% YoY
-12.3% QoQ
|
-3.89% |
65.29%
-4.5% YoY
|
66.95%
-6.2% YoY
|
66.95%
-4.1% YoY
|
56% |
| Delinquency Rate ? |
0.21%
-87.2% YoY
-0.5% QoQ
|
-0.68% |
0.89%
+18.8% YoY
|
0.77%
+21.7% YoY
|
0.95%
+18.8% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
84.07%
+4.4% YoY
+12.6% QoQ
|
+7.43% |
76.64%
+0.8% YoY
|
78.66%
+4.9% YoY
|
76.70%
+0.9% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
17.33%
+23.6% YoY
+48.7% QoQ
|
-4.69% |
22.02%
-1.0% YoY
|
24.69%
-2.1% YoY
|
22.01%
-1.2% YoY
|
33% |
| Nonperforming Asset Ratio ? |
0.16%
-86.7% YoY
+10.4% QoQ
|
-0.48% |
0.64%
+19.7% YoY
|
0.58%
+27.6% YoY
|
0.67%
+19.3% YoY
|
63% |
| Tier 1 Capital Ratio ? |
10.36%
-2.3% YoY
+6.7% QoQ
|
-5.47% |
15.83%
+1.5% YoY
|
20.91%
+0.5% YoY
|
17.06%
+0.8% YoY
|
Bottom 14.6% in tier |
| Non-Interest Income / Assets ? |
0.02%
+24.5% YoY
-72.8% QoQ
|
-0.26% |
0.28%
+9.3% YoY
|
0.19%
+5.8% YoY
|
0.32%
+4.1% YoY
|
Bottom 4.1% in tier |
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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)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.