Blissfield State Bank (FDIC certificate #976) is based in Blissfield, Michigan. Its Q2 2026 call report shows $114.6M in total assets and $104.5M in deposits and 1 office.
Based on its Q2 2026 filing, Blissfield State Bank scores 66/100, which we describe as moderate. That is higher than only 31% of 2,650 banks with $100 million – $1 billion. Among 72 banks headquartered in Michigan, it ranks 39th. Its strongest component is funding & liquidity (100/100; 56% loans-to-deposits, 12% uninsured), and its lowest is loan quality (44/100; 1.69%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 10 points (76 → 66), mostly because the loan quality component weakened by 32 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 79 |
| Q3 2024 | 81 |
| Q4 2024 | 71 |
| Q1 2025 | 72 |
| Q2 2025 | 76 |
| Q3 2025 | 76 |
| Q4 2025 | 73 |
| Q1 2026 | 59 |
| Q2 2026 | 66 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.67% |
| Q3 2024 | 11.20% |
| Q4 2024 | 10.94% |
| Q1 2025 | 11.06% |
| Q2 2025 | 11.06% |
| Q3 2025 | 11.16% |
| Q4 2025 | 10.93% |
| Q1 2026 | 11.00% |
| Q2 2026 | 11.29% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.87% |
| Q1 2025 | 0.97% |
| Q2 2025 | 0.72% |
| Q3 2025 | 0.69% |
| Q4 2025 | 0.89% |
| Q1 2026 | 2.43% |
| Q2 2026 | 1.69% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.00% |
| Q3 2024 | 1.03% |
| Q4 2024 | 0.97% |
| Q1 2025 | 1.04% |
| Q2 2025 | 1.29% |
| Q3 2025 | 1.23% |
| Q4 2025 | 1.20% |
| Q1 2026 | 1.21% |
| Q2 2026 | 1.16% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $114.6M | 11.29% | 1.69% | 1.16% | 56.3% |
| Q1 2026 | 59 | $119.0M | 11.00% | 2.43% | 1.21% | 52.8% |
| Q4 2025 | 73 | $118.9M | 10.93% | 0.89% | 1.20% | 50.0% |
| Q3 2025 | 76 | $112.1M | 11.16% | 0.69% | 1.23% | 54.0% |
| Q2 2025 | 76 | $113.4M | 11.06% | 0.72% | 1.29% | 51.6% |
| Q1 2025 | 72 | $115.4M | 11.06% | 0.97% | 1.04% | 49.5% |
| Q4 2024 | 71 | $115.4M | 10.94% | 0.87% | 0.97% | 48.9% |
| Q3 2024 | 81 | $112.7M | 11.20% | 0.00% | 1.03% | 54.6% |
| Q2 2024 | 79 | $112.2M | 10.67% | 0.00% | 1.00% | 52.4% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Michigan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Kalamazoo County State BankBank Schoolcraft, MI | 77 out of 100, Strong | $118.4M | 12.1% | 0.33% | vs |
| Community Unity BankBank Birmingham, MI | 71 out of 100, Strong | $107.1M | 19.5% | 0.00% | vs |
| G. W. Jones Exchange BankBank Marcellus, MI | 61 out of 100, Moderate | $122.8M | 10.4% | 1.64% | vs |
| The Miners State BankBank Iron River, MI | 82 out of 100, Strong | $134.8M | 12.2% | 0.00% | vs |
| Sidney State BankBank Sidney, MI | 80 out of 100, Strong | $138.7M | 9.6% | 0.06% | vs |
| Bay Port State BankBank Bay Port, MI | 71 out of 100, Strong | $153.4M | 10.9% | 0.65% | vs |
Deposit insurance
Is my money safe at Blissfield State Bank?
Yes. Blissfield State Bank is an FDIC-insured institution (FDIC certificate #976). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 12.5% of deposits ($13.1M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.29%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
Blissfield State Bank lists 1 office in 1 city. Most locations:
- Blissfield, MI (1)
Identity & history
Profile
- Legal name
- Blissfield State Bank
- Former names
- The Blissfield State Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 976
- RSSD ID
- 937843
- Primary regulator
- FED
- Holding company
- Blissfield Bank Corp
- Established
- May 24, 1873
- Headquarters
- 204 E Jefferson St, Blissfield, MI 49228
- Website
- www.blissfieldstate.com
- Employees
- 22
Quick answers
Blissfield State Bank: common questions
Is Blissfield State Bank FDIC insured?
Yes. Blissfield State Bank is an FDIC-insured institution (FDIC certificate #976). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Blissfield State Bank's TellerScore?
66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Blissfield State Bank ever failed?
There is no failure record for FDIC certificate #976 in the FDIC failed bank list.
How many branches does Blissfield State Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Blissfield
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Eight Federal Credit UnionCredit union Rossford, OH | 96 out of 100, Very strong | $25.3M | 14.8% | 0.02% | vs |
| Toledo Fire Fighters Federal Credit UnionCredit union Toledo, OH | 95 out of 100, Very strong | $45.5M | 17.8% | 0.34% | vs |
| Superior Credit Union, IncCredit union Lima, OH | 94 out of 100, Very strong | $2.0B | 15.2% | 0.20% | vs |
| First Federal Savings and Loan AssociationBank Delta, OH | 93 out of 100, Very strong | $246.0M | 16.5% | 0.00% | vs |
| Tlc Community Credit UnionCredit union Adrian, MI | 90 out of 100, Very strong | $950.2M | 14.5% | 0.14% | vs |
| Parish Federal Credit UnionCredit union Toledo, OH | 87 out of 100, Very strong | $24.0M | 11.8% | 0.06% | vs |