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Bank Michigan

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

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2025-Q3QoQ +18

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

Quarterly Headline

2025-Q3

Bank #382742 2025-Q3 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.70% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↑ +18 ptscomposite
  • Liquidity
    ↑ +13
  • Securities
    — —
  • Capitalization
    ↑ +36
  • Asset Quality
    ↑ +12
  • Reserves
    ↑ +23

The five pillars

Liquidity

StrongQoQ +13
86
Sub-score

Liquidity is strong: brokered 5.8%, loans/deposits 89.4%, cash 16.8% of assets.

Cash / Assets
16.84%
Loans / Deposits
89.38%
Brokered %
5.78%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.36%
No watch items at this period.

Capitalization

StrongQoQ +36
100
Sub-score

Capital position is strong: Tier 1 RBC 16.60%, CET1 16.60%, leverage 12.76%.

Tier 1 RBC
16.60%
CET1
16.60%
Leverage
12.76%
No watch items at this period.

Asset Quality

StableQoQ +12
71
Sub-score

Asset quality is stable: Adjusted NPL 2.70%, Texas Ratio 14.3%, NCO YTD -4.38%.

Adjusted NPL
2.70%
Govt-guarantees stripped
Texas Ratio
14.3%
NCO YTD
-4.38%
30-89 PD
1.86%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.70% (govt-guarantees stripped).

Reserves

WatchQoQ +23
56
Sub-score

Reserves are deteriorating: ALLL 1.93% of loans, coverage 72.9%, true coverage 67.7%.

ALLL / Loans
1.93%
Coverage
72.9%
True Loss Coverage
67.7%
No watch items at this period.

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