Sturgis Bank & Trust Company
Sturgis, MI · Cert 28593 · Peer group: banks $1B-$10B in assets (n=322-328) · Sturgis Bcorp Inc.
State charter, non-member · FDIC · 17 branches
Q2 2026
$1.0BAssets
$768.8MLoans
$893.0MDeposits
$83.8MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 80% of banks $1B-$10B in assets (rank 64 of 322).
- Widest gap: equity / assets trails 92% of banks $1B-$10B in assets (rank 303 of 328).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.01%
Rank 224 of 328
Net Interest Margin
3.59%
Rank 130 of 328
Efficiency Ratio
73.48%
Rank 283 of 328
Equity / Assets
8.15%
Rank 303 of 328
Non-interest income vs. expense
Unfavorable gap of $24.1M · efficiency ratio beats 14% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.01% | 0.91% | 1.22% | 1.52% | Beats 32% | 224 / 328 | |
| Return on Equity | 12.41% | 8.43% | 11.45% | 14.43% | Beats 57% | 141 / 328 | |
| Net Interest Margin | 3.59% | 3.03% | 3.45% | 3.83% | Beats 60% | 130 / 328 | |
| Efficiency Ratio | 73.48% | 51.61% | 59.56% | 67.53% | Beats 14% | 283 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.92% | 0.24% | 0.51% | 1.03% | Beats 28% | 233 / 322 | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.03% | 0.10% | Beats 80% | 64 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 12.11% | 11.75% | 13.15% | 15.47% | Beats 33% | 219 / 328 | |
| Total Risk-Based Capital Ratio | 13.34% | 12.63% | 14.15% | 16.46% | Beats 39% | 201 / 328 | |
| Equity / Assets | 8.15% | 9.15% | 10.33% | 12.01% | Beats 8% | 303 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 86.09% | 76.63% | 87.92% | 95.36% | 46th pctl | 173 / 323 | |
| Loans / Assets | 74.72% | 65.18% | 74.15% | 79.98% | 52nd pctl | 156 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |