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 | |