BlastPoint's Banking Scorecard
Mi Bank
Bloomfield Township, 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 -3.3% year over year ($220.9M on the books).
- Delinquency rate 0.19%.
- Return on assets 0.92%.
- Efficiency ratio 63.62% vs a 64.48% peer average.
- Loan-to-deposit ratio 93.67% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Mi Bank has 2 strengths but faces 8 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 0.86% below tier average
- + Delinquency Rate 0.73% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 5.8% in tier
- - Deposit Outflow: Bottom 11.4% in tier
- - Liquidity Strain: Bottom 12.6% in tier
- - Capital Constraint: Bottom 32.7% in tier
- - NIB Deposit Bleed: Bottom 67.3% in tier
- - Non-Interest Income / Assets 0.52% below tier average
- - ROA 0.41% below tier average
- - Net Interest Margin 0.69% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$245.5M
-2.4% YoY
-4.5% QoQ
|
-$141.1M |
$386.6M
+1.2% YoY
|
$1.0B
+6.5% YoY
|
$6.3B
+7.7% YoY
|
36% |
| Total Loans ? |
$206.9M
+0.7% YoY
+5.7% QoQ
|
-$51.4M |
$258.3M
+1.7% YoY
|
$767.2M
+9.2% YoY
|
$3.2B
+9.4% YoY
|
50% |
| Total Deposits ? |
$220.9M
-3.3% YoY
-5.2% QoQ
|
-$105.8M |
$326.7M
+0.7% YoY
|
$806.0M
+5.9% YoY
|
$4.9B
+7.3% YoY
|
39% |
| Return on Assets ? |
0.92%
+223.1% YoY
-5.9% QoQ
|
-0.41% |
1.32%
+10.8% YoY
|
1.18%
+20.1% YoY
|
1.30%
+12.1% YoY
|
29% |
| Net Interest Margin ? |
3.30%
+12.0% YoY
-2.1% QoQ
|
-0.69% |
3.99%
+5.0% YoY
|
4.06%
+4.7% YoY
|
3.95%
+4.9% YoY
|
20% |
| Efficiency Ratio ? |
63.62%
-11.4% YoY
+3.6% QoQ
|
-0.86% |
64.48%
-3.2% YoY
|
65.90%
-5.4% YoY
|
70.05%
+2.5% YoY
|
47% |
| Delinquency Rate ? |
0.19%
-92.1% YoY
-9.0% QoQ
|
-0.73% |
0.92%
+15.7% YoY
|
0.85%
+32.2% YoY
|
0.98%
+16.3% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
93.67%
+4.1% YoY
+11.4% QoQ
|
+15.72% |
77.95%
+1.0% YoY
|
80.02%
+3.0% YoY
|
79.03%
+2.3% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
13.88%
-15.0% YoY
-19.9% QoQ
|
-8.15% |
22.03%
-0.6% YoY
|
25.55%
-0.4% YoY
|
21.98%
-0.6% YoY
|
20% |
| Nonperforming Asset Ratio ? |
0.16%
-91.9% YoY
+0.6% QoQ
|
-0.51% |
0.67%
+16.4% YoY
|
0.65%
+27.6% YoY
|
0.69%
+15.8% YoY
|
64% |
| Tier 1 Capital Ratio ? |
10.11%
+8.6% YoY
-2.4% QoQ
|
-5.80% |
15.91%
+1.4% YoY
|
20.80%
-0.9% YoY
|
17.09%
+0.8% YoY
|
Bottom 12.3% in tier |
| Non-Interest Income / Assets ? |
0.05%
+41.3% YoY
+156.3% QoQ
|
-0.52% |
0.57%
+7.6% YoY
|
0.38%
+3.3% YoY
|
0.66%
+5.2% YoY
|
Bottom 5.5% in tier |
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 |
13.9%
-2.4pp YoY -3.5pp QoQ |
-8.3pp | 22.1% | 25.9% | 22.2% | 20% |
| Brokered Deposits |
20.7%
-1.8pp YoY -0.6pp QoQ |
+12.8pp | 7.9% | 12.3% | 8.5% | 92% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
25.4%
-1.4pp YoY -2.3pp QoQ |
+13.9pp | 11.6% | 12.8% | 12.5% | 94% |
| CRE |
52.4%
+0.6pp YoY +0.5pp QoQ |
+12.9pp | 39.5% | 45.9% | 41.4% | 74% |
| 1-4 Family |
3.4%
+1.5pp YoY -0.2pp QoQ |
-29.2pp | 32.6% | 33.6% | 31.3% | 3% |
| Consumer | n/a | n/a | 4.1% | 4.6% | 5.0% | n/a |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
10.1%
+0.8pp YoY -0.2pp QoQ |
-8.7pp | 18.8% | 26.9% | 19.7% | 3% |
| Leverage Ratio |
9.1%
+1.0pp YoY +0.7pp QoQ |
-3.0pp | 12.2% | 12.3% | 12.6% | 14% |
| Total Capital Ratio |
11.2%
+0.7pp YoY -0.3pp QoQ |
-8.7pp | 19.9% | 27.9% | 20.8% | 3% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
20
0 YoY +1 (+5.3%) QoQ |
-39 | 58 | 134 | 482 | 11% |
| Assets per Employee ($) |
$12.3M
-2.4% YoY -9.2% QoQ |
+$4.8M | $7.5M | $6.8M | $8.8M | 93% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 9 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.2%
-2.2pp YoY 0.0pp QoQ |
-0.7pp | 0.9% | 0.8% | 1.0% | 29% |
| Allowance Coverage |
5.89x
+539.9% YoY +3.8% QoQ |
-18.26x | 24.15x | 6.79x | 20.23x | 73% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.9%
+20.0pp YoY -1.3pp QoQ |
-1.3pp | 12.2% | 11.7% | 11.6% | 42% |
| Cost of Funds (YTD) |
2.5%
-0.3pp YoY 0.0pp QoQ |
+0.8pp | 1.7% | 1.5% | 1.7% | 90% |
| Net Income ($, YTD) |
$1.2M
+224.1% YoY — QoQ |
-$1.3M | $2.6M | $7.3M | $40.4M | 33% |
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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 (5)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.