BlastPoint's Banking Scorecard

Blissfield State Bank

$100M-$1B Specialty: Agricultural MI FDIC cert 976

Blissfield, 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 -0.7% year over year ($104.5M on the books).
Delinquency rate 1.72%.
Return on assets 1.16%.
Efficiency ratio 69.56% vs a 64.48% peer average.
Loan-to-deposit ratio 56.30% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 47 in MI

View $100M-$1B leaderboard (MI) →

Blissfield State Bank faces 5 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 37.6% in tier
- Margin Compression: Bottom 38.4% in tier
- Net Interest Margin 0.28% below tier average
- Efficiency Ratio 5.08% above tier average
- Delinquency Rate 0.80% above tier average

Get updates when Blissfield State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Total Assets ?	$114.6M +1.1% YoY -3.7% QoQ	-$272.0M	$386.6M +1.2% YoY	$1.0B +6.5% YoY	$6.3B +7.7% YoY	Bottom 4.0% in tier
Total Loans ?	$58.9M +8.5% YoY +1.8% QoQ	-$199.5M	$258.3M +1.7% YoY	$767.2M +9.2% YoY	$3.2B +9.4% YoY	Bottom 4.4% in tier
Total Deposits ?	$104.5M -0.7% YoY -4.5% QoQ	-$222.2M	$326.7M +0.7% YoY	$806.0M +5.9% YoY	$4.9B +7.3% YoY	Bottom 6.7% in tier
Return on Assets ?	1.16% -9.8% YoY -4.2% QoQ	-0.16%	1.32% +10.8% YoY	1.18% +20.1% YoY	1.30% +12.1% YoY	45%
Net Interest Margin ?	3.71% -0.3% YoY +1.6% QoQ	-0.28%	3.99% +5.0% YoY	4.06% +4.7% YoY	3.95% +4.9% YoY	37%
Efficiency Ratio ?	69.56% +5.4% YoY +2.6% QoQ	+5.08%	64.48% -3.2% YoY	65.90% -5.4% YoY	70.05% +2.5% YoY	31%
Delinquency Rate ?	1.72% +133.9% YoY -30.5% QoQ	+0.80%	0.92% +15.7% YoY	0.85% +32.2% YoY	0.98% +16.3% YoY	16%
Loan-to-Deposit Ratio ?	56.30% +9.2% YoY +6.6% QoQ	-21.66%	77.95% +1.0% YoY	80.02% +3.0% YoY	79.03% +2.3% YoY	Top 13.6% in tier
Non-Interest-Bearing Deposit Share ?	18.85% -7.5% YoY -4.9% QoQ	-3.18%	22.03% -0.6% YoY	25.55% -0.4% YoY	21.98% -0.6% YoY	40%
Nonperforming Asset Ratio ?	0.88% +150.9% YoY -26.5% QoQ	+0.21%	0.67% +16.4% YoY	0.65% +27.6% YoY	0.69% +15.8% YoY	23%
Tier 1 Capital Ratio ?	11.29% +2.1% YoY +2.7% QoQ	-4.62%	15.91% +1.4% YoY	20.80% -0.9% YoY	17.09% +0.8% YoY	27%
Non-Interest Income / Assets ?	0.12% -55.4% YoY +99.2% QoQ	-0.44%	0.57% +7.6% YoY	0.38% +3.3% YoY	0.66% +5.2% YoY	26%

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	18.9% -1.5pp YoY -1.0pp QoQ	-3.3pp	22.1%	25.9%	22.2%	39%
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	12.2% -2.3pp YoY -1.9pp QoQ	+0.6pp	11.6%	12.8%	12.5%	64%
CRE	n/a	n/a	39.5%	45.9%	41.4%	n/a
1-4 Family	36.2% +1.4pp YoY +0.5pp QoQ	+3.6pp	32.6%	33.6%	31.3%	64%
Consumer	7.7% +0.3pp YoY 0.0pp QoQ	+3.6pp	4.1%	4.6%	5.0%	88%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	26.9%	19.7%	n/a
Leverage Ratio	11.3% +0.2pp YoY +0.3pp QoQ	-0.9pp	12.2%	12.3%	12.6%	55%
Total Capital Ratio	n/a	n/a	19.9%	27.9%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Full-Time Employees	22 0 YoY +1 (+4.8%) QoQ	-37	58	134	482	14%
Assets per Employee ($)	$5.2M +1.1% YoY -8.0% QoQ	-$2.3M	$7.5M	$6.8M	$8.8M	18%
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	1.7% -0.1pp QoQ	+1.4pp	0.3%	0.2%	0.4%	96%
Nonaccrual	n/a	n/a	0.9%	0.8%	1.0%	n/a
Allowance Coverage	0.97x -60.6% YoY +40.2% QoQ	-23.19x	24.15x	6.79x	20.23x	26%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	54%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
ROE	14.3% -5.1pp YoY -1.1pp QoQ	+2.1pp	12.2%	11.7%	11.6%	64%
Cost of Funds (YTD)	1.0% 0.0pp YoY 0.0pp QoQ	-0.8pp	1.7%	1.5%	1.7%	9%
Net Income ($, YTD)	$683,000 -7.6% YoY — QoQ	-$1.9M	$2.6M	$7.3M	$40.4M	16%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Deposit Outflow

decline

#202 of 535 • Bottom 37.6% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 banks QoQ

Margin Compression

decline

#119 of 307 • Bottom 38.4% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.16%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

360

Loan-to-Deposit Ratio

liquidity

Value: 56.30%

Peer Median: 77.95%

#360 of 2643 Top 13.6% in $100M-$1B

Top Weaknesses (5 metrics)

2538

Total Assets

size

Value: $114.60M

Peer Median: $386.57M

#2538 of 2643 Bottom 4.0% in $100M-$1B

2527

Total Loans

size

Value: $58.86M

Peer Median: $258.35M

#2527 of 2643 Bottom 4.4% in $100M-$1B

2466

Total Deposits

size

Value: $104.55M

Peer Median: $326.73M

#2466 of 2643 Bottom 6.7% in $100M-$1B

2211

Delinquency Rate

credit_quality

Value: 1.72%

Peer Median: 0.92%

#2211 of 2633 Bottom 16.1% in $100M-$1B

2030

Nonperforming Asset Ratio

credit_quality

Value: 0.88%

Peer Median: 0.67%

#2030 of 2643 Bottom 23.2% in $100M-$1B