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
Unfavorable gap of $2.8M · efficiency ratio beats 46% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.94% | 0.60% | 1.01% | 1.45% | Beats 44% | 353 / 629 | | |
| Return on Equity | 10.83% | 5.38% | 9.30% | 13.28% | Beats 59% | 257 / 629 | | |
| Net Interest Margin | 3.50% | 3.03% | 3.54% | 4.05% | Beats 48% | 327 / 629 | | |
| Efficiency Ratio | 69.56% | 58.35% | 67.79% | 79.08% | Beats 46% | 343 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.69% | 0.09% | 0.46% | 1.20% | Beats 16% | 491 / 581 | | |
| Net Charge-Offs / Loans | 0.11% | n/a | 0.01% | 0.06% | Beats 17% | 484 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 11.29% | 11.24% | 13.84% | 18.77% | Beats 25% | 469 / 629 | | |
| Total Risk-Based Capital Ratio | 11.29% | 11.58% | 14.43% | 19.66% | Beats 21% | 495 / 629 | | |
| Equity / Assets | 8.64% | 9.09% | 10.65% | 13.80% | Beats 19% | 510 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 57.23% | 67.24% | 80.90% | 93.48% | 16th pctl | 501 / 594 | | |
| Loans / Assets | 52.21% | 53.31% | 67.71% | 78.15% | 24th pctl | 479 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |