Total Assets
$1.4B
Total balance-sheet footings
FDIC Cert #5033 · Mason, Michigan · Est. 1925
The Dart Bank - FDIC Bank Health Profile
A community-scale look at The Dart Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.4B
- Total assets
- C
- Health grade · Fair
- 0.92%
- Return on assets
- 11.0%
- Tier 1 capital
Data updated July 2026
The verdict
The Dart Bank earns a PlainBankData health grade of C (58/100), with well-capitalized at 11.03% Tier 1, 0.92% ROA, 84% efficiency ratio.
- #777
- largest of 4,313 FDIC banks by assets
- 82nd
- percentile by asset size, nationally
- 11.03%
- Tier 1 ratio - above the 10% well-capitalized line
- 37th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How The Dart Bank's 58/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Dart Bank's composite health score
Tier 1 Capital Ratio (11.03%) 28/40
Return on Assets (ROA) (0.92%) 14/25
Texas Ratio (9.89%) 16/20
Efficiency Ratio (83.80%) 0/15
58 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.2B
Customer-funded liabilities
Net Loans
$1.2B
Outstanding loan book
Net Income
$13M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Dart Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Dart Bank's score of 58/100 falls in the highlighted band.
The Dart Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Dart Bank's $1.4B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.03% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.03%
Texas Ratio
9.89%
Equity Capital
$115M
Profitability metrics
Return on Assets (ROA)
37th percentile nationally
0.92%
Return on Equity (ROE)
11.41%
Efficiency Ratio
83.80%
What the numbers say about The Dart Bank
The Dart Bank is an FDIC-insured institution (Certificate #5033) headquartered in Mason, Michigan, established in 1925. It holds $1.4B in total assets - 777th of 4,313 FDIC-insured banks, $1.2B in customer deposits, and $1.2B in net loans. On safety, its Tier 1 capital ratio of 11.03% is above the 10% well-capitalized threshold, and its Texas Ratio of 9.89% sits in the healthy range below 50%. It earns a PlainBankData health grade of C (58/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Michigan, The Dart Bank ranks 10th of 73 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$75M
Interest Income
$38M
Non-Interest Income
$77M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Dart Bank reports a Texas Ratio of 9.89% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
9.89% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Michigan by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Dart Bank (FDIC Cert #5033) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Michigan
All Michigan banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Northpointe BankGrand Rapids | $7.0B | B | 1.39% |
| First National Bank of AmericaEast Lansing | $6.7B | A | 2.94% |
| Mercantile BankGrand Rapids | $6.2B | A | 1.61% |
| Independent BankGrand Rapids | $5.5B | B | 1.33% |
| ChoiceOne BankSparta | $4.4B | B | 0.79% |
| Macatawa Bank, National AssociationHolland | $3.7B | A | 1.39% |
| Bank of Ann ArborAnn Arbor | $3.3B | A | 1.72% |
| Isabella BankMount Pleasant | $2.2B | B | 1.02% |
Frequently asked questions
What is The Dart Bank's health grade?▼
The Dart Bank receives a health grade of C (58/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is The Dart Bank?▼
The Dart Bank holds $1.4B in total assets and $1.2B in deposits, ranking 777th of 4,313 FDIC-insured banks by asset size. It is headquartered in Mason, Michigan.
Is my money safe at The Dart Bank?▼
Yes, deposits at The Dart Bank (Certificate #5033) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Dart Bank's Tier 1 Capital Ratio?▼
The Dart Bank has a Tier 1 Capital Ratio of 11.03%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for The Dart Bank?▼
The Dart Bank has a Texas Ratio of 9.89%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Dart Bank?▼
The Dart Bank has an Efficiency Ratio of 83.80%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Dart Bank's profile as a depositor or analyst.
- The Dart Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Dart Bank against other Michigan banks before moving funds. Michigan banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.