State Savings Bank of Manistique, The
Manistique, MI · Cert 13249 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · SSB Inc.
State charter, Fed member · FED · 3 branches
Q2 2026
$178.2MAssets
$93.2MLoans
$154.1MDeposits
$14.4MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 63% of banks under $1B in assets operating in a single state (rank 283 of 743).
- Widest gap: total risk-based capital ratio trails 96% of banks under $1B in assets operating in a single state (rank 717 of 746).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.78%
Rank 527 of 746
Net Interest Margin
2.94%
Rank 628 of 746
Efficiency Ratio
72.47%
Rank 515 of 746
Equity / Assets
8.06%
Rank 643 of 746
Non-interest income vs. expense
Unfavorable gap of $3.7M · efficiency ratio beats 31% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.78% | 0.72% | 1.06% | 1.45% | Beats 29% | 527 / 746 | | |
| Return on Equity | 9.73% | 6.74% | 10.51% | 13.63% | Beats 45% | 414 / 746 | | |
| Net Interest Margin | 2.94% | 3.17% | 3.68% | 4.16% | Beats 16% | 628 / 746 | | |
| Efficiency Ratio | 72.47% | 55.74% | 64.58% | 75.47% | Beats 31% | 515 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.70% | 0.09% | 0.42% | 1.07% | Beats 37% | 468 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 63% | 283 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 9.64% | 11.55% | 13.75% | 17.60% | Beats 4% | 717 / 746 | | |
| Total Risk-Based Capital Ratio | 9.64% | 11.71% | 14.33% | 18.43% | Beats 4% | 717 / 746 | | |
| Equity / Assets | 8.06% | 8.90% | 10.51% | 13.06% | Beats 14% | 643 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 60.47% | 61.31% | 78.27% | 90.78% | 23rd pctl | 571 / 746 | | |
| Loans / Assets | 52.28% | 53.60% | 66.97% | 76.08% | 23rd pctl | 576 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |