Bloomfield Township, MI · Cert 59138 · MI Bcorp Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
20
Asset Quality
84
Profitability
45
Liquidity
25
Efficiency
53
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Bloomfield Township, MI · Cert 59138 · MI Bcorp Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Detroit-Warren-Dearborn, MI · 2026 SOD (annual) · 0.1% share · #21 of 37 inst. · $0.2B of $183.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.67% | 0.53% | 0.20% | -0.74% | -0.32% | -0.64% | 0.97% | 0.92% | +166 bps | |
| Return on Equity | 7.54% | 6.12% | 2.42% | -9.07% | -3.88% | -7.83% | 12.20% | 10.92% | +1,999 bps | |
| Net Interest Margin | 2.76% | 2.84% | 2.67% | 2.98% | 2.95% | 3.03% | 3.52% | 3.47% | +49 bps | |
| Efficiency Ratio | 70.00% | 73.43% | 70.55% | 71.80% | 69.67% | 70.00% | 61.40% | 63.62% | -818 bps | |
| Non-Interest Burden | 1.86% | 2.03% | 1.86% | 2.11% | 2.02% | 2.09% | 2.12% | 2.16% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.99% | 16.76% | 14.22% | 9.46% | 1.89% | 6.11% | -1.57% | -2.36% | -1,182 bps | |
| Loan Growth (YoY) | 23.49% | 20.12% | 6.99% | 12.10% | 4.14% | -1.27% | 2.36% | -0.43% | -1,252 bps | |
| Deposit Growth (YoY) | 3.09% | 17.65% | 15.11% | 10.61% | 2.11% | 6.93% | -1.72% | -3.26% | -1,387 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.13% | 0.12% | 1.62% | 2.39% | 2.41% | 0.21% | 0.21% | 0.19% | -220 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 2.21% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.10% | 1.15% | 1.41% | 2.20% | 2.36% | 1.13% | 1.18% | 1.12% | -108 bps | |
| Allowance Coverage of NPLs | 8.7x | 9.9x | 0.9x | 0.9x | 1.0x | 5.4x | 5.7x | 5.9x | +5.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.58% | 8.66% | 8.03% | 8.16% | 7.75% | 7.96% | 8.49% | 9.14% | +99 bps | |
| Total Risk-Based Capital | 11.52% | 11.03% | 11.87% | 10.57% | 10.78% | 10.85% | 11.55% | 11.24% | +67 bps | |
| Equity / Assets | 9.08% | 7.86% | 8.43% | 8.35% | 8.79% | 7.39% | 8.66% | 9.30% | +95 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.37% | 81.80% | 81.69% | 92.03% | 94.20% | 75.53% | 85.08% | 94.73% | +269 bps | |
| Liquid Assets / Assets | 9.71% | 19.81% | 20.70% | 12.43% | 10.85% | 26.47% | 18.67% | 10.35% | -208 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 524% | 491% | 465% | n/a | n/a | |
Bloomfield Township, MI · Cert 59138 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · MI Bcorp Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
0.99%
Rank 413 of 746
Net Interest Margin
3.47%
Rank 463 of 746
Efficiency Ratio
63.62%
Rank 350 of 746
Equity / Assets
9.30%
Rank 516 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.99% | 0.72% | 1.06% | 1.45% | Beats 45% | 413 / 746 | ||
| Return on Equity | 10.63% | 6.74% | 10.51% | 13.63% | Beats 51% | 365 / 746 | ||
| Net Interest Margin | 3.47% | 3.17% | 3.68% | 4.16% | Beats 38% | 463 / 746 | ||
| Efficiency Ratio | 63.62% | 55.74% | 64.58% | 75.47% | Beats 53% | 350 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.19% | 0.09% | 0.42% | 1.07% | Beats 67% | 245 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.11% | 11.55% | 13.75% | 17.60% | Beats 10% | 675 / 746 | ||
| Total Risk-Based Capital Ratio | 11.24% | 11.71% | 14.33% | 18.43% | Beats 20% | 595 / 746 | ||
| Equity / Assets | 9.30% | 8.90% | 10.51% | 13.06% | Beats 31% | 516 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 94.73% | 61.31% | 78.27% | 90.78% | 83rd pctl | 125 / 746 | ||
| Loans / Assets | 85.24% | 53.60% | 66.97% | 76.08% | 96th pctl | 33 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||