Mi Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 21.62 percentage points in Q2 2026, from 567.80% to 589.42%. It was the largest change from Q1 2026 among the key lines here. Within Michigan, Mi Bank is 55th of 72 on return on assets, 0.88% as of Q2 2026. The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Mi Bank sits 0.38 points lower, at 0.88% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.11% |
| Tier 1 risk-based capital ratio | 10.11% |
| Total risk-based capital ratio | 11.24% |
| Tier 1 leverage ratio | 9.14% |
| Equity capital to assets | 9.30% |
| Tangible equity to tangible assets | 9.27% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.19% |
| Non-performing assets ratio | 0.16% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.58% |
| Allowance for credit losses to loans | 1.12% |
| Reserve coverage of non-performing loans | 589.42% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.88% |
| Return on equity | 9.67% |
| Net interest margin | 3.23% |
| Efficiency ratio | 66.09% |
| Yield on earning assets | 5.76% |
| Cost of funds | 2.80% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.73% |
| Core deposits to total deposits | 76.64% |
| Brokered deposits to total deposits | 20.70% |
| Deposits to assets | 89.99% |
| Securities to assets | 2.99% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.09% | 11.09% | 12.26% | 8.82% | 0.27% |
| Q4 2023 | 11.47% | 11.47% | 12.64% | 9.10% | 0.52% |
| Q1 2024 | 11.15% | 11.15% | 12.31% | 9.62% | 0.77% |
| Q2 2024 | 10.71% | 10.71% | 11.84% | 9.16% | 0.50% |
| Q3 2024 | 10.42% | 10.42% | 11.52% | 8.58% | 0.70% |
| Q4 2024 | 9.90% | 9.90% | 11.03% | 8.66% | 0.17% |
| Q1 2025 | 10.61% | 10.61% | 11.87% | 8.03% | 0.19% |
| Q2 2025 | 9.31% | 9.31% | 10.57% | 8.16% | -1.74% |
| Q3 2025 | 9.52% | 9.52% | 10.78% | 7.75% | 0.52% |
| Q4 2025 | 9.72% | 9.72% | 10.85% | 7.96% | -1.60% |
| Q1 2026 | 10.36% | 10.36% | 11.55% | 8.49% | 1.03% |
| Q2 2026 | 10.11% | 10.11% | 11.24% | 9.14% | 0.88% |
Mi Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Mi Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Mi Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59138) · FFIEC NIC profile (RSSD 5332603)