Mi Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Mi Bank of Bloomfield Township, MI against its peer group of 2757 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 | 0.88% | 1.25% | -0.37% | 26th below |
| ROAE | 9.67% | 12.22% | -2.55% | 33rd below |
| Net Interest Margin | 3.23% | 3.95% | -0.72% | 16th bottom |
| Efficiency Ratio | 66.09% | 63.71% | +2.38% | 36th below |
| PPNR / Avg Assets | 1.14% | — | — | 25th below |
| Yield on Earning Assets | 5.76% | 5.67% | +0.09% | 57th above |
| Cost of Funds | 2.80% | 1.87% | +0.93% | 8th bottom |
| Net Interest Spread | 2.45% | — | — | 11th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.19% | 0.88% | -0.69% | 66th above |
| NPA / Total Assets | 0.16% | — | — | 64th above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.12% | — | — | 40th below |
| ACL / NPLs (Coverage) | 589.42% | — | — | 73rd above |
| Texas Ratio | 1.58% | 5.96% | -4.38% | 62nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.11% | 17.18% | -7.07% | 3rd bottom |
| Tier 1 Ratio | 10.11% | 17.21% | -7.10% | 3rd bottom |
| Total Capital Ratio | 11.24% | — | — | 3rd bottom |
| Leverage Ratio | 9.14% | 11.75% | -2.61% | 14th bottom |
| Equity / Assets | 9.30% | 10.98% | -1.68% | 32nd below |
| TCE / Tangible Assets | 9.27% | — | — | 35th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.73% | 80.44% | +14.29% | 19th bottom |
| Core Deposit Ratio | 76.64% | 86.95% | -10.31% | 10th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.36% | — | — | 9th bottom |
| Loan Growth (Y/Y) | -0.43% | — | — | 20th bottom |
| Deposit Growth (Y/Y) | -3.26% | — | — | 9th bottom |
See Mi Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Mi Bank, 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 Mi Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Mi Bank peer analysis.