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Bank Michigan

IDRSSD: 382742
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
65
/ 100
StableAs of 2025-Q2QoQ -1

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q2

Bank #382742 2025-Q2 Vital Signs Score: 65/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Stable
Securities:Strong
Capitalization:Stable
Asset Quality:Watch
Reserves:Risk

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.88% (govt-guarantees stripped).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 25.8% (Adjusted NPL + Performing Mods denominator).
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 26.7% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q1 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↑ +5
  • Reserves
    ↓ -11

The five pillars

Liquidity

StableQoQ -1
74
Sub-score

Liquidity is stable: brokered 10.5%, loans/deposits 96.5%, cash 7.3% of assets.

Cash / Assets
7.31%
Loans / Deposits
96.45%
Brokered %
10.50%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.54%
No watch items at this period.

Capitalization

StableQoQ 0
64
Sub-score

Capital position is stable: Tier 1 RBC 10.85%, CET1 10.85%, leverage 9.19%.

Tier 1 RBC
10.85%
CET1
10.85%
Leverage
9.19%
No watch items at this period.

Asset Quality

WatchQoQ +5
59
Sub-score

Asset quality is deteriorating: Adjusted NPL 5.88%, Texas Ratio 45.9%, NCO YTD 0.00%.

Adjusted NPL
5.88%
Govt-guarantees stripped
Texas Ratio
45.9%
NCO YTD
0.00%
30-89 PD
0.44%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.88% (govt-guarantees stripped).

Reserves

RiskQoQ -11
33
Sub-score

Reserves are weak: ALLL 1.54% of loans, coverage 26.7%, true coverage 25.8%.

ALLL / Loans
1.54%
Coverage
26.7%
True Loss Coverage
25.8%

Watch Items

  • watchALLL / NPL below 50% — Coverage 26.7% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 25.8% (Adjusted NPL + Performing Mods denominator).

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-12 00:47:44 UTC