Bank Michigan: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank Michigan of Brooklyn, MI against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.90% | 1.34% | -0.44% | 28th below |
| ROAE | 7.73% | 13.32% | -5.59% | 24th bottom |
| Net Interest Margin | 4.50% | 3.93% | +0.57% | 79th top |
| Efficiency Ratio | 79.27% | 61.14% | +18.13% | 15th bottom |
| PPNR / Avg Assets | 1.23% | 1.68% | -0.45% | 30th below |
| Yield on Earning Assets | 6.33% | 5.67% | +0.66% | 82nd top |
| Cost of Funds | 2.03% | 1.88% | +0.15% | 35th below |
| Net Interest Spread | 3.82% | 3.32% | +0.50% | 76th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.08% | 0.94% | +0.14% | 26th below |
| NPA / Total Assets | 1.20% | 0.70% | +0.50% | 16th bottom |
| NCO / Avg Loans | -0.28% | 0.16% | -0.44% | 99th top |
| ACL / Total Loans | 1.16% | 1.28% | -0.12% | 45th below |
| ACL / NPLs (Coverage) | 107.38% | 1538.94% | -1431.56% | 30th below |
| Texas Ratio | 10.05% | 7.33% | +2.72% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.69% | 19.50% | -6.81% | 24th bottom |
| Tier 1 Ratio | 12.69% | 19.54% | -6.85% | 24th bottom |
| Total Capital Ratio | 13.87% | 20.62% | -6.75% | 25th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.25% | 12.14% | -0.89% | 55th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.01% | 11.37% | -0.36% | 60th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 11.01% | 11.09% | -0.08% | 64th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 98.90% | 80.63% | +18.27% | 13th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.08% | 86.86% | +0.22% | 39th below |
| Wholesale Funding Ratio | 5.26% | 5.03% | +0.23% | 36th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 33.51% | 6.85% | +26.66% | 98th top |
| Loan Growth (Y/Y) | 30.12% | 7.90% | +22.22% | 97th top |
| Deposit Growth (Y/Y) | 28.90% | 6.28% | +22.62% | 97th top |
See Bank Michigan's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank Michigan, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bank Michigan profile, how to read a UBPR, or how this data updates.