# BLISSFIELD STATE BANK
BLISSFIELD, MI · FDIC certificate 976 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $114.6M | |
| Deposits | $104.5M | |
| Loans and leases | $59.8M | |
| Total equity | $9.9M | |
| Loans / deposits | 56.30% (p26 of band) | 73.59% |
| Liquid assets / assets | 46.45% (p74 of band) | |
| Uninsured deposits / deposits | 12.49% (p22 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.29% (p43 of band) | 11.76% |
| Unrealized securities loss / equity | -36.51% (p11 of band) | -6.57% |
| AOCI / equity | -0.62% (p39 of band) | |
| ROA (annualized) | 1.16% (p50 of band) | 1.17% |
| Net interest margin | 3.71% (p38 of band) | 3.93% |
| Efficiency ratio | 69.56% (p59 of band) | |
| Noncurrent loans | 1.69% (p81 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p66 of band) | |
| Reserve coverage of noncurrent | 96.64% | |
| Real estate % of loans | 64% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $2.5M (4.26% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.7% | |
| Employees | 22 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | reserve under noncurrent |  |
| 2014-03 | 1 | capital falling | reserve under noncurrent |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 2 | capital falling, reserve under noncurrent |  |
| 2015-06 | 0 |  | capital falling, reserve under noncurrent |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | reserve under noncurrent |  |
| 2016-03 | 0 |  | reserve under noncurrent |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | reserve under noncurrent |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | noncurrent p90 |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 1 |  | noncurrent p90 |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | noncurrent p90 |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 3 | charge-offs p90 | noncurrent p90 |
| 2021-03 | 2 |  | charge-offs p90 |
| 2021-06 | 2 |  |  |
| 2021-09 | 3 | noncurrent p90 |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | reserve under noncurrent, noncurrent p90 |
| 2022-06 | 2 |  | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 3 | AOCI drag >20% of equity, deposits shrinking |  |
| 2023-12 | 3 | uninsured deposits leaving | AOCI drag >20% of equity |
| 2024-03 | 2 |  | deposits shrinking |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | uninsured deposits leaving |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | reserve under noncurrent |  |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-05-20 [Blissfield State Bank to celebrate 150 years with Saturday bash - lenconnect.com](https://news.google.com/rss/articles/CBMi1wFBVV95cUxNdkljRjFrXzBHbTJOalo5Q0hfbGxleDFOWU1sVm5rY0M5Q1N4M010RWg4dXAtRTZKeGwzT29zalZEazZZdF83cVpDd2s1eF9VeFRRTHZRUjJMeG9CYjRHcEpHTFhkX3c3MnFuT0I2U2hYT2lCeTJoZkN6VUJ0MUE4VWFTZVg1SEpWNVRsbFN1TVctcmNuaVFjOEgtUWlUUHJYYzNfQjZqVjB3ZFpoOHdZeUl1RkN1Yy1VbVZLalBud29Md2dHbGNWbVdnc1QxZ28yUGdpdzR4QQ?oc=5) · lenconnect.com
- 2019-10-16 [U.P. Man To Serve As Banking Association Chairman - Radioresultsnetwork.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxORE5hTG0wcERhLUE4ZElnUlJrYzFub3A5c1VtVU9USkhYSW5HODFiVVA0Vzl3SF9LX2laMXRwZVF2WnIxRUlGNWFiMWM0NXZoS3hUQmNhaWxCTGsyOG5aVFZiQmNieWJhRnVRaWZSVjZtVUNsWmdPVlNVcXB0QnJ0bWN4YlhOMlV4cHhhbVNiMW5LZk1FQVNPUkNORGc?oc=5) · Radioresultsnetwork.com
- 2020-02-20 [Financial resource fair coming to Blissfield - lenconnect.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQb2pTNGt6MWlRQ0R4czY4VVJ0T0Q0U0hTTFY3Ynd1V1gwWVNENDI4bVpiYVNUc05mSlhvb2NvVEFraC1PZWJocG52UkVXVmthaTNtV2N5WG14Vm5LOUx4Vjhsb0hxRUw2bV93SFRsNkJ1bzJvV2RyQmhOaDVoaGJ2MktxbTB6bGhUZGJNeXQwdk1CeVRSYzlkMFBtM0F3UEJjOUtlU3JuRDhodw?oc=5) · lenconnect.com
- 2019-07-23 [Dwight Klump Obituary (1938 - 2019) - Blissfield, MI - The Daily Telegram - Legacy obituary](https://news.google.com/rss/articles/CBMijgFBVV95cUxNdmg5dFhqVVFJWkt1T2lnYWFSR3h0UG1HV3VSRGxJTW5IS0p1Mzhjb1RqMmlwUkxURUdvTzQ2U24zV1lFUnNnMkVKZFBLSjhWVGYyQm9CekZRemhodE1tMjRveFFnYWRmRDZ1OFNpVTVWT1JfT2pWRjRFTzNvenlDT29MbmhaaWhaR1lwdFp3?oc=5) · Legacy obituary
- 2018-04-12 [Mark Katich Obituary (2018) - Toledo, OH - The Blade - Legacy obituary](https://news.google.com/rss/articles/CBMijgFBVV95cUxQSU5rbmxYbUdMUE9SYURSNE5jbkJOU3BhUWtualRwTDNqOVFMVWpSWC1Xem83LVJHTUZKa3hsMUkzOWpsMmg5UUt0b1VQUl9NN0ZJamswQ0lMbG94RzJrQXdZbldfRGhQbURVUVU2RHNPR1YyTGFjbERPUUV0MjZ6cmtmS3B5M0xXUGphc1pR?oc=5) · Legacy obituary
- 2021-11-08 [Donald Edgar Granzow Obituary - lenconnect.com](https://news.google.com/rss/articles/CBMiWkFVX3lxTE04Z1JfWHNQSE1xTXBuc2pieVFqQnpBbTBEQzFqSi1ZMF9jakdJT2E0WlFrNUMtU3JoSmRNcFd6RXd0MzhELWpPWDhvbjJWT2NvbmpUVHdjZVRyUQ?oc=5) · lenconnect.com
- 2016-06-18 [Robert Beckey Obituary (2016) - Blissfield, MI - Anderson-Marry Funeral Home - Adrian Chapel - Legacy obituary](https://news.google.com/rss/articles/CBMihAFBVV95cUxQNkFDRDFEenBkS0lvalNwMzFNQ2h1aFpMTkgtbDBhS3QwS2ZrdVRNRE84RTJEUUZmaFBTZ3h2Ym9hZlZNamdUNFhKbVI2UWN1azVCTkVyYk82RFkwYURkdFgyTzUyZU5LbjhPZHE2SlRuTU1lVmpnNVpRMHZTcmFtWGxsWTc?oc=5) · Legacy obituary
- 2023-07-12 [Blissfield River Raisin Festival kicks off this week with classic events, new activities - lenconnect.com](https://news.google.com/rss/articles/CBMi4AFBVV95cUxNRGVtYkVHYnluT0hFemxJWV9yQzVzMHZHX3dZNGRkbEwwbFhvNHVXYmlpVzJHQUVCUXRDakdubl80bGREVHVjYUNoTklXdzRRQXFidlJ5Tl8tR2RkVXZGNnRvdnphTE9vRVZOV2FuZk03REJrSHBNWTJidmxiVWZfRjJOUC1zcFFjeU1VZU5UOFRMdkR6T01YZjFmRjlhUFVkb2x1V3o3RWxtTmtUTFZ2M2Y1WXIxT1pxZHhNdDN5aXZWeEhTcG9PUFdxei1ZcWNTNVdvOXJYaTBaYjNGRzZmLQ?oc=5) · lenconnect.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=976 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/16.json (key "976", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide