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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 $4.4MQ3 2024Q2 2026
Deposit mix
81%Interest-bearing $84.8M19%Noninterest $19.7MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.87%, down 34 bps year over year; NIM at 3.52%.
  • Asset quality: problem loans at 1.69% of loans (+97 bps YoY), with net charge-offs at 0.06%.
  • 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.

Return on Assets (quarter, annualized)

0.87%-34 bps YoY

Net Interest Margin (quarter, annualized)

3.52%+1 bps YoY

Efficiency Ratio (quarter, annualized)

71.33%+586 bps YoY

Tier 1 Leverage Ratio

11.29%+24 bps YoY

NIM

4.41%Q2 ’244.37%Q2 ’254.41%Q2 ’26+2%+0%

Non-interest income vs. expense

2.74%Q2 ’242.83%Q2 ’252.67%Q2 ’26-19%+22%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.85%0.62%0.82%1.21%0.87%0.90%0.95%0.87%-34 bps
Return on Equity12.45%8.98%12.63%17.80%11.67%11.27%12.04%10.52%-729 bps
Net Interest Margin3.63%3.51%3.53%3.50%3.57%3.49%3.42%3.52%+1 bps
Efficiency Ratio69.78%79.48%66.64%65.46%71.57%70.53%67.80%71.33%+586 bps
Non-Interest Burden2.45%2.73%2.27%2.01%2.49%2.38%2.24%2.44%+43 bps
Growth
Asset Growth (YoY)2.53%0.63%3.35%1.04%-0.50%3.06%3.07%1.08%+4 bps
Loan Growth (YoY)-1.80%-1.44%-1.91%0.57%-0.06%3.64%8.15%8.30%+773 bps
Deposit Growth (YoY)-1.92%0.05%2.93%2.19%0.85%1.35%1.64%-0.67%-286 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.87%0.97%0.72%0.69%0.89%2.43%1.69%+97 bps
Net Charge-Offs / Loans-0.01%0.03%-0.01%0.10%-0.04%0.00%-0.02%0.06%-4 bps
Allowance / Loans1.64%1.73%1.82%1.77%1.74%1.77%1.68%1.63%-14 bps
Allowance Coverage of NPLsn/a2.0x1.9x2.5x2.5x2.0x0.7x1.0x-1.5x
Capital
Tier 1 Leverage Ratio11.20%10.94%11.06%11.06%11.16%10.93%11.00%11.29%+24 bps
Total Risk-Based Capital11.20%10.94%11.06%11.06%11.16%10.93%11.00%11.29%+24 bps
Equity / Assets7.41%6.43%6.54%7.02%7.94%8.00%7.84%8.64%+162 bps
Liquidity & Funding
Loans / Deposits55.47%49.73%50.45%52.49%54.96%50.85%53.69%57.23%+474 bps
Liquid Assets / Assets1.34%1.28%0.62%0.71%0.58%0.63%0.60%0.60%-11 bps
CRE / Total Capitaln/an/an/an/a26.96%25.93%24.99%n/an/a