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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