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Blissfield State Bank

Blissfield, MI · Cert 976 · Blissfield Bank Corp.

State charter, Fed member · FED · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

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.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

22

Q2 2024Q2 2026peer median (50)

Asset Quality

17

Q2 2024Q2 2026peer median (50)

Profitability

50

Q2 2024Q2 2026peer median (50)

Liquidity

27

Q2 2024Q2 2026peer median

Efficiency

46

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Blissfield State Bank

Blissfield, MI · Cert 976 · Blissfield Bank Corp.

State charter, Fed member · FED · 1 branch

Q2 2026

$114.6MAssets
$59.8MLoans
$104.5MDeposits
$9.9MEquity
Loan mix
75%RE $37.8M16%C&I $8.2M9%Consumer $4.4MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $84.8M19%Noninterest $19.7MQ2 2025Q2 2026

NIM

4.33%Q2 ’244.34%Q2 ’254.41%Q2 ’26+2%+1%

Non-interest income vs. expense

2.63%Q2 ’242.65%Q2 ’252.60%Q2 ’26-11%+12%

Executive Summary

  • Earnings: ROA of 0.91%, down 10 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 1.69% of loans (+97 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 11.29%, up 24 bps from a year ago.
  • Funding: loans stand at 57.23% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.91%-10 bps YoY

Net Interest Margin (YTD, annualized)

3.50%+2 bps YoY

Efficiency Ratio (YTD, annualized)

69.56%+356 bps YoY

Tier 1 Leverage Ratio

11.29%+24 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.01%0.97%0.95%0.95%0.91%-10 bps
Return on Equity15.21%13.85%13.18%12.04%11.19%-402 bps
Net Interest Margin3.48%3.52%3.46%3.42%3.50%+2 bps
Efficiency Ratio66.00%67.79%68.46%67.80%69.56%+356 bps
Non-Interest Burden2.11%2.24%2.24%2.24%2.36%+25 bps
Growth
Asset Growth (YoY)1.04%-0.50%3.06%3.07%1.08%+4 bps
Loan Growth (YoY)0.57%-0.06%3.64%8.15%8.30%+773 bps
Deposit Growth (YoY)2.19%0.85%1.35%1.64%-0.67%-286 bps
Asset Quality
Nonperforming Loans / Loans0.72%0.69%0.89%2.43%1.69%+97 bps
Net Charge-Offs / Loans0.04%0.02%0.01%-0.02%0.02%-2 bps
Allowance / Loans1.77%1.74%1.77%1.68%1.63%-14 bps
Allowance Coverage of NPLs2.5x2.5x2.0x0.7x1.0x-1.5x
Capital
Tier 1 Leverage Ratio11.06%11.16%10.93%11.00%11.29%+24 bps
Total Risk-Based Capital11.06%11.16%10.93%11.00%11.29%+24 bps
Equity / Assets7.02%7.94%8.00%7.84%8.64%+162 bps
Liquidity & Funding
Loans / Deposits52.49%54.96%50.85%53.69%57.23%+474 bps
Liquid Assets / Assets0.71%0.58%0.63%0.60%0.60%-11 bps
CRE / Total Capitaln/a26.96%25.93%24.99%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Blissfield State Bank

Blissfield, MI · Cert 976 · Peer group: banks under $1B in assets (n=581-629) · Blissfield Bank Corp.

State charter, Fed member · FED · 1 branch

Q2 2026

$114.6MAssets
$59.8MLoans
$104.5MDeposits
$9.9MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 59% of banks under $1B in assets (rank 257 of 629).
  • Widest gap: nonperforming loans / loans trails 84% of banks under $1B in assets (rank 491 of 581).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.94%

Rank 353 of 629

Net Interest Margin

3.50%

Rank 327 of 629

Efficiency Ratio

69.56%

Rank 343 of 629

Equity / Assets

8.64%

Rank 510 of 629

Non-interest income vs. expense

$0.3M$3.1MINCOMEEXPENSE
Unfavorable gap of $2.8M · efficiency ratio beats 46% of banks under $1B in assets
Bank 69.56%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.94%0.60%1.01%1.45%Beats 44%353 / 629
Return on Equity10.83%5.38%9.30%13.28%Beats 59%257 / 629
Net Interest Margin3.50%3.03%3.54%4.05%Beats 48%327 / 629
Efficiency Ratio69.56%58.35%67.79%79.08%Beats 46%343 / 629
Asset Quality
Nonperforming Loans / Loans1.69%0.09%0.46%1.20%Beats 16%491 / 581
Net Charge-Offs / Loans0.11%n/a0.01%0.06%Beats 17%484 / 581
Capital
Tier 1 Capital Ratio11.29%11.24%13.84%18.77%Beats 25%469 / 629
Total Risk-Based Capital Ratio11.29%11.58%14.43%19.66%Beats 21%495 / 629
Equity / Assets8.64%9.09%10.65%13.80%Beats 19%510 / 629
Liquidity & Funding
Loans / Deposits57.23%67.24%80.90%93.48%16th pctl501 / 594
Loans / Assets52.21%53.31%67.71%78.15%24th pctl479 / 629
Brokered Deposits / Depositsn/aNot reported for this institution