Dart Bank, The
Mason, MI · Cert 5033 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Dart Financial Corp.
State charter, non-member · FDIC · 4 branches
Q2 2026
$1.5BAssets
$1.2BLoans
$1.3BDeposits
$118.8MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 80% of banks $1B-$10B in assets operating in a single state (rank 51 of 258).
- Widest gap: efficiency ratio trails 94% of banks $1B-$10B in assets operating in a single state (rank 242 of 257).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.93%
Rank 192 of 258
Net Interest Margin
4.00%
Rank 51 of 258
Efficiency Ratio
83.72%
Rank 242 of 257
Equity / Assets
8.07%
Rank 234 of 258
Non-interest income vs. expense
Unfavorable gap of $37.0M · efficiency ratio beats 6% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.93% | 0.93% | 1.23% | 1.54% | Beats 26% | 192 / 258 | |
| Return on Equity | 11.58% | 9.26% | 11.84% | 14.74% | Beats 48% | 133 / 258 | |
| Net Interest Margin | 4.00% | 3.16% | 3.49% | 3.88% | Beats 80% | 51 / 258 | |
| Efficiency Ratio | 83.72% | 51.71% | 60.30% | 69.65% | Beats 6% | 242 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.75% | 0.19% | 0.46% | 0.90% | Beats 9% | 235 / 258 | |
| Net Charge-Offs / Loans | 0.05% | 0.01% | 0.02% | 0.07% | Beats 29% | 183 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 11.15% | 11.41% | 12.98% | 15.12% | Beats 23% | 198 / 258 | |
| Total Risk-Based Capital Ratio | 12.40% | 12.10% | 13.91% | 16.08% | Beats 30% | 180 / 258 | |
| Equity / Assets | 8.07% | 9.09% | 10.24% | 11.72% | Beats 9% | 234 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 91.88% | 73.24% | 86.34% | 95.95% | 66th pctl | 88 / 258 | |
| Loans / Assets | 79.23% | 63.01% | 72.27% | 78.40% | 77th pctl | 59 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |