State Savings Bank
Frankfort, MI · Cert 8162 · Peer group: banks under $1B in assets (n=570-617) · Central-State Bcorp Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
$431.2MAssets
$326.3MLoans
$391.6MDeposits
$37.0MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 86% of banks under $1B in assets (rank 85 of 617).
- Widest gap: total risk-based capital ratio trails 99% of banks under $1B in assets (rank 612 of 617).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.34%
Rank 528 of 617
Net Interest Margin
4.37%
Rank 85 of 617
Efficiency Ratio
90.77%
Rank 543 of 617
Equity / Assets
8.58%
Rank 504 of 617
Non-interest income vs. expense
Unfavorable gap of $16.5M · efficiency ratio beats 12% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.34% | 0.60% | 1.01% | 1.45% | Beats 14% | 528 / 617 | |
| Return on Equity | 3.99% | 5.30% | 9.43% | 13.30% | Beats 18% | 508 / 617 | |
| Net Interest Margin | 4.37% | 3.04% | 3.54% | 4.05% | Beats 86% | 85 / 617 | |
| Efficiency Ratio | 90.77% | 58.03% | 67.76% | 79.08% | Beats 12% | 543 / 617 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.20% | 0.09% | 0.47% | 1.27% | Beats 66% | 195 / 570 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 66% | 195 / 570 | |
| Capital |
| Tier 1 Capital Ratio | 8.79% | 11.18% | 13.83% | 18.55% | Beats 1% | 612 / 617 | |
| Total Risk-Based Capital Ratio | 8.79% | 11.56% | 14.39% | 19.39% | Beats 1% | 612 / 617 | |
| Equity / Assets | 8.58% | 9.03% | 10.55% | 13.63% | Beats 18% | 504 / 617 | |
| Liquidity & Funding |
| Loans / Deposits | 83.33% | 64.77% | 79.70% | 93.06% | 55th pctl | 263 / 582 | |
| Loans / Assets | 75.69% | 51.70% | 67.18% | 77.51% | 70th pctl | 185 / 617 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |