Dearborn Federal Savings Bank
Dearborn, MI · Cert 29874 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State savings bank · OCC · 5 branches
Q2 2026
$306.6MAssets
$198.5MLoans
$198.2MDeposits
$77.1MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
- Widest gap: efficiency ratio trails 96% of banks under $1B in assets operating in a single state (rank 720 of 746).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.07%
Rank 716 of 746
Net Interest Margin
2.69%
Rank 681 of 746
Efficiency Ratio
96.82%
Rank 720 of 746
Equity / Assets
25.16%
Rank 20 of 746
Non-interest income vs. expense
Unfavorable gap of $7.8M · efficiency ratio beats 4% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.07% | 0.72% | 1.06% | 1.45% | Beats 4% | 716 / 746 | |
| Return on Equity | 0.26% | 6.74% | 10.51% | 13.63% | Beats 4% | 717 / 746 | |
| Net Interest Margin | 2.69% | 3.17% | 3.68% | 4.16% | Beats 9% | 681 / 746 | |
| Efficiency Ratio | 96.82% | 55.74% | 64.58% | 75.47% | Beats 4% | 720 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.64% | 0.09% | 0.42% | 1.07% | Beats 40% | 445 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 25.86% | 11.55% | 13.75% | 17.60% | Beats 92% | 59 / 746 | |
| Total Risk-Based Capital Ratio | 25.86% | 11.71% | 14.33% | 18.43% | Beats 91% | 67 / 746 | |
| Equity / Assets | 25.16% | 8.90% | 10.51% | 13.06% | Beats 97% | 20 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 100.12% | 61.31% | 78.27% | 90.78% | 90th pctl | 76 / 746 | |
| Loans / Assets | 64.73% | 53.60% | 66.97% | 76.08% | 44th pctl | 415 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |