State Savings Bank
Frankfort, MI · Cert 8162 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · 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 83% of banks under $1B in assets operating in a single state (rank 127 of 746).
- Widest gap: total risk-based capital ratio trails 99% of banks under $1B in assets operating in a single state (rank 742 of 746).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.34%
Rank 659 of 746
Net Interest Margin
4.37%
Rank 127 of 746
Efficiency Ratio
90.77%
Rank 691 of 746
Equity / Assets
8.58%
Rank 594 of 746
Non-interest income vs. expense
Unfavorable gap of $16.5M · efficiency ratio beats 8% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.34% | 0.72% | 1.06% | 1.45% | Beats 12% | 659 / 746 | |
| Return on Equity | 3.99% | 6.74% | 10.51% | 13.63% | Beats 14% | 641 / 746 | |
| Net Interest Margin | 4.37% | 3.17% | 3.68% | 4.16% | Beats 83% | 127 / 746 | |
| Efficiency Ratio | 90.77% | 55.74% | 64.58% | 75.47% | Beats 8% | 691 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.20% | 0.09% | 0.42% | 1.07% | Beats 66% | 254 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 69% | 233 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 8.79% | 11.55% | 13.75% | 17.60% | Beats 1% | 742 / 746 | |
| Total Risk-Based Capital Ratio | 8.79% | 11.71% | 14.33% | 18.43% | Beats 1% | 742 / 746 | |
| Equity / Assets | 8.58% | 8.90% | 10.51% | 13.06% | Beats 20% | 594 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 83.33% | 61.31% | 78.27% | 90.78% | 61st pctl | 291 / 746 | |
| Loans / Assets | 75.69% | 53.60% | 66.97% | 76.08% | 73rd pctl | 202 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |