STATE SAVINGS BANK

FRANKFORT, MI | Small | Est. Jan. 1, 1901, midnight | FDIC #8162 | RSSD #22543 | FDIC
Latest Report: 2025-12-31

STATE SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in FRANKFORT, MI, established in Jan. 1, 1901, midnight. As of 2025-12-31, the bank reported total assets of $413M and total deposits of $374M. Profitability stands at 0.59% ROA and 6.96% ROE, with a net interest margin of 4.85%. The bank's CET1 capital ratio is 8.14%. Asset quality metrics show a non-performing loan ratio of 0.14% and a Texas Ratio of 1.13%. FDIC Certificate #8162.

Assets

$413M

Deposits

$374M

Loans

$311M

Equity

$37M

Profitability

Return on Assets (ROA) 0.59%
Return on Equity (ROE) 6.96%
Net Interest Margin (NIM) 4.85%
Yield on Assets 6.33%
Cost of Funds 1.49%

Asset Quality

NPL Ratio 0.14%
Net Charge-Off Ratio 0.00%
Texas Ratio 1.13%
NPA Ratio 0.11%
ACL / Loans 0.87%

Capital & Liquidity

CET1 Ratio 8.14%
Tier 1 Capital 8.14%
Total Capital Ratio 8.55%
Leverage Ratio 8.64%
Loan-to-Deposit 83.10%

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