MI Bank
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
$245.5MAssets
$209.3MLoans
$220.9MDeposits
$22.8MEquity
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: tier 1 capital ratio trails 90% of banks under $1B in assets operating in a single state (rank 675 of 746).
- Overall: at or above the peer median on 4 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $5.4M · efficiency ratio beats 53% of banks under $1B in assets operating in a single state | 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 |