| Metric | Blissfield State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +4.4% | -3.3 pts |
| Deposit growth (YoY) | -0.7% | +4.0% | -4.6 pts |
| Loan growth (YoY) | +8.4% | +5.6% | +2.9 pts |
| ROA | 1.16% | 1.24% | -0.1 pts |
| ROE | 14.3% | 11.9% | +2.4 pts |
ROA ranks in the 46th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $114.6M | $104.5M | $58.9M | $9.9M | $683K | 1.16% | 3.71% | 0.88% |
| Q1 2026 | $119.0M | $109.5M | $57.8M | $9.3M | $361K | 1.21% | 3.65% | 1.20% |
| Q4 2025 | $118.9M | $109.2M | $54.6M | $9.5M | $1.4M | 1.20% | 3.75% | 0.42% |
| Q3 2025 | $112.1M | $103.0M | $55.7M | $8.9M | $1.1M | 1.23% | 3.77% | 0.35% |
| Q2 2025 | $113.4M | $105.3M | $54.3M | $8.0M | $739K | 1.29% | 3.72% | 0.35% |
| Q1 2025 | $115.4M | $107.7M | $53.4M | $7.5M | $300K | 1.04% | 3.68% | 0.45% |
| Q4 2024 | $115.4M | $107.8M | $52.7M | $7.4M | $1.1M | 0.97% | 3.68% | 0.40% |
| Q3 2024 | $112.7M | $102.2M | $55.7M | $8.3M | $871K | 1.03% | 3.68% | 0.00% |
Loan mix (Q2 2026): real estate $38.4M · commercial $7.2M · consumer $4.5M · securities $48.3M
| Ratio | Blissfield State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.16% | 1.24% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 14.3% | 11.9% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.71% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.6% | 62.9% | 67th |
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% |
| Ratio | Blissfield State Bank | 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% |
| Ratio | Blissfield State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Blissfield State Bank | 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% |
| Ratio | Blissfield State Bank | 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% |
| Ratio | Blissfield State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
Spends 1.9× the peer median on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).
1 branches in 1 county across 1 state (+0 vs 2025) · $104.5M branch deposits. Biggest market: Lenawee, MI, ranked 8th with 5.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lenawee, MI | 1 | $104.5M | 4.97% | 8th |
Michigan: 199th with 0.03% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1