First National Bank of Wakefield, The
Wakefield, MI · Cert 5076 · Peer group: banks under $1B in assets (n=573-620) · Wakefield Bcorp Inc.
National charter · OCC · 2 branches
Q2 2026
$52.6MAssets
$21.7MLoans
$47.7MDeposits
$4.8MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 82% of banks under $1B in assets (rank 109 of 620).
- Widest gap: efficiency ratio trails 79% of banks under $1B in assets (rank 492 of 620).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.65%
Rank 448 of 620
Net Interest Margin
4.07%
Rank 140 of 620
Efficiency Ratio
82.65%
Rank 492 of 620
Equity / Assets
9.18%
Rank 448 of 620
Non-interest income vs. expense
Unfavorable gap of $1.7M · efficiency ratio beats 21% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.65% | 0.60% | 1.00% | 1.45% | Beats 28% | 448 / 620 | |
| Return on Equity | 7.12% | 5.30% | 9.30% | 13.29% | Beats 34% | 407 / 620 | |
| Net Interest Margin | 4.07% | 3.02% | 3.53% | 4.04% | Beats 77% | 140 / 620 | |
| Efficiency Ratio | 82.65% | 58.35% | 68.08% | 79.37% | Beats 21% | 492 / 620 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.71% | 0.09% | 0.47% | 1.27% | Beats 39% | 351 / 573 | |
| Net Charge-Offs / Loans | 0.03% | n/a | 0.01% | 0.06% | Beats 34% | 381 / 573 | |
| Capital |
| Tier 1 Capital Ratio | 23.64% | 11.27% | 13.87% | 18.78% | Beats 82% | 109 / 620 | |
| Total Risk-Based Capital Ratio | 24.81% | 11.69% | 14.57% | 19.67% | Beats 82% | 109 / 620 | |
| Equity / Assets | 9.18% | 9.03% | 10.60% | 13.73% | Beats 28% | 448 / 620 | |
| Liquidity & Funding |
| Loans / Deposits | 45.59% | 65.08% | 79.69% | 92.47% | 9th pctl | 532 / 585 | |
| Loans / Assets | 41.30% | 51.85% | 67.17% | 77.86% | 16th pctl | 518 / 620 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |