BlastPoint's Banking Scorecard
State Savings Bank
Frankfort, MI
9 branches across MI
State Savings Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.89% above tier average
- + Delinquency Rate 0.36% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 35.7% in tier
- - Credit Quality Pressure: Bottom 45.6% in tier
- - Efficiency Ratio 22.12% above tier average
- - ROA 0.81% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$404.6M
+5.6% YoY
-2.1% QoQ
|
+$18.5M |
$386.1M
+0.5% YoY
|
$993.6M
+8.4% YoY
|
$6.2B
+9.1% YoY
|
62% |
| Total Loans ? |
$309.8M
+10.7% YoY
+0.5% QoQ
|
+$54.1M |
$255.7M
+1.1% YoY
|
$752.3M
+12.4% YoY
|
$3.2B
+10.8% YoY
|
69% |
| Total Deposits ? |
$365.0M
+5.6% YoY
-2.4% QoQ
|
+$37.0M |
$328.0M
+0.1% YoY
|
$797.0M
+7.4% YoY
|
$4.8B
+8.2% YoY
|
65% |
| Return on Assets ? |
0.46%
+348.5% YoY
+19.1% QoQ
|
-0.81% |
1.27%
+12.9% YoY
|
1.15%
+25.2% YoY
|
1.23%
+13.4% YoY
|
Bottom 12.2% in tier |
| Net Interest Margin ? |
4.82%
+7.4% YoY
+2.4% QoQ
|
+0.89% |
3.93%
+6.0% YoY
|
3.99%
+5.8% YoY
|
3.89%
+5.7% YoY
|
Top 10.5% in tier |
| Efficiency Ratio ? |
87.41%
-10.2% YoY
-1.5% QoQ
|
+22.12% |
65.29%
-4.5% YoY
|
66.95%
-6.2% YoY
|
66.95%
-4.1% YoY
|
Bottom 8.2% in tier |
| Delinquency Rate ? |
0.53%
+157.3% YoY
-15.5% QoQ
|
-0.36% |
0.89%
+18.8% YoY
|
0.77%
+21.7% YoY
|
0.95%
+18.8% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
84.86%
+4.8% YoY
+3.0% QoQ
|
+8.23% |
76.64%
+0.8% YoY
|
78.66%
+4.9% YoY
|
76.70%
+0.9% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
29.80%
-6.2% YoY
-6.5% QoQ
|
+7.78% |
22.02%
-1.0% YoY
|
24.69%
-2.1% YoY
|
22.01%
-1.2% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.41%
+169.6% YoY
-13.3% QoQ
|
-0.23% |
0.64%
+19.7% YoY
|
0.58%
+27.6% YoY
|
0.67%
+19.3% YoY
|
43% |
| Tier 1 Capital Ratio ? |
9.02%
-4.7% YoY
+4.3% QoQ
|
-6.81% |
15.83%
+1.5% YoY
|
20.91%
+0.5% YoY
|
17.06%
+0.8% YoY
|
Bottom 0.9% in tier |
| Non-Interest Income / Assets ? |
0.15%
+22.6% YoY
-68.9% QoQ
|
-0.13% |
0.28%
+9.3% YoY
|
0.19%
+5.8% YoY
|
0.32%
+4.1% YoY
|
75% |
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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.
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.