Bank Michigan
Total assets
$176.0M
▲ +33.5% YoY
Deposits
$144.9M
▲ +28.9% YoY
Loans
$141.6M
▲ +30.6% YoY
Offices
3
BANK MICHIGAN FINANCIAL CORP
ROA (annualized)
0.67%
peers 1.24%
ROE (annualized)
5.73%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Bank Michigan | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +33.5% | +4.4% | +29.1 pts |
| Deposit growth (YoY) | +28.9% | +4.0% | +24.9 pts |
| Loan growth (YoY) | +30.6% | +5.6% | +25.0 pts |
| ROA | 0.67% | 1.24% | -0.6 pts |
| ROE | 5.7% | 11.9% | -6.1 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
Profile
- Established
- 1907
- Charter
- State
- Primary regulator
- FED
- Holding company
- BANK MICHIGAN FINANCIAL CORP
- Specialization
- Commercial Lending Specialization
- Address
- 417 S Main St, Brooklyn, MI, 49230
- County
- Jackson
- Metro area
- Jackson, MI
- Offices
- 3
- FDIC cert #
- 1008
- RSSD ID
- 382742
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $176.0M | $144.9M | $141.6M | $19.4M | $547K | 0.67% | 4.56% | 1.16% |
| Q1 2026 | $159.7M | $133.3M | $121.8M | $19.0M | $176K | 0.45% | 4.65% | 0.97% |
| Q4 2025 | $153.5M | $126.8M | $117.2M | $18.9M | $7.2M | 5.20% | 4.85% | 1.16% |
| Q3 2025 | $141.1M | $115.2M | $103.0M | $17.3M | $5.6M | 5.53% | 4.85% | 1.97% |
| Q2 2025 | $131.8M | $112.4M | $108.4M | $12.0M | $341K | 0.52% | 4.91% | 4.84% |
| Q1 2025 | $132.3M | $113.4M | $107.1M | $11.6M | $7K | 0.02% | 4.70% | 2.86% |
| Q4 2024 | $132.1M | $115.8M | $102.8M | $8.9M | $-3.4M | -2.70% | 4.70% | 2.16% |
| Q3 2024 | $130.6M | $111.1M | $97.9M | $10.9M | $-1.5M | -1.59% | 4.85% | 0.87% |
Loan mix (Q2 2026): real estate $98.2M · commercial $24.5M · consumer $763K · securities $7.7M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Bank Michigan | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 1.24% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 11.9% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.56% | 3.96% | 80th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.6% | 62.9% | 89th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Bank Michigan | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Bank Michigan | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Bank Michigan | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Bank Michigan | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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