Mi Bank
Total assets
$245.5M
▼ -2.4% YoY
Deposits
$220.9M
▼ -3.3% YoY
Loans
$206.9M
▲ +0.7% YoY
Offices
1
MI BCORP INC
ROA (annualized)
0.92%
peers 1.24%
ROE (annualized)
10.92%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Mi Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.4% | +4.4% | -6.7 pts |
| Deposit growth (YoY) | -3.3% | +4.0% | -7.2 pts |
| Loan growth (YoY) | +0.7% | +5.6% | -4.9 pts |
| ROA | 0.92% | 1.24% | -0.3 pts |
| ROE | 10.9% | 11.9% | -0.9 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
Profile
- Established
- 2019
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- MI BCORP INC
- Specialization
- Commercial Lending Specialization
- Address
- 3707 W Maple Rd, Bloomfield Township, MI, 48301
- County
- Oakland
- Metro area
- Detroit-Warren-Dearborn, MI
- Offices
- 1
- FDIC cert #
- 59138
- RSSD ID
- 5332603
- 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 | $245.5M | $220.9M | $206.9M | $22.8M | $1.2M | 0.92% | 3.30% | 0.16% |
| Q1 2026 | $256.9M | $232.9M | $195.8M | $22.3M | $669K | 0.97% | 3.37% | 0.16% |
| Q4 2025 | $292.6M | $269.1M | $201.0M | $21.6M | $-1.7M | -0.64% | 3.09% | 0.15% |
| Q3 2025 | $244.2M | $220.4M | $202.7M | $21.5M | $-626K | -0.32% | 3.15% | 2.05% |
| Q2 2025 | $251.4M | $228.4M | $205.5M | $21.0M | $-978K | -0.74% | 2.95% | 1.99% |
| Q1 2025 | $261.0M | $237.0M | $190.9M | $22.0M | $132K | 0.20% | 2.82% | 1.20% |
| Q4 2024 | $275.8M | $251.7M | $203.5M | $21.7M | $1.3M | 0.53% | 3.08% | 0.09% |
| Q3 2024 | $239.7M | $215.8M | $197.1M | $21.8M | $1.2M | 0.67% | 3.15% | 0.11% |
Loan mix (Q2 2026): real estate $115.5M · commercial $52.6M · consumer $0 · securities $7.3M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Mi Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | 1.24% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 11.9% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.30% | 3.96% | 20th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.6% | 62.9% | 52th | |
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 | Mi 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% |
Capital
| Ratio | Mi 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% |
Credit quality
| Ratio | Mi 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% |
Franchise
| Ratio | Mi Bank | 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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