SUPERIOR NATIONAL BANK

HANCOCK, MI | Large | Est. March 6, 1890, midnight | FDIC #5058 | RSSD #245557 | OCC
Latest Report: 2025-12-31

SUPERIOR NATIONAL BANK is aln large FDIC-insured commercial bank headquartered in HANCOCK, MI, established in March 6, 1890, midnight. As of 2025-12-31, the bank reported total assets of $1.0B and total deposits of $867M. Profitability stands at 1.29% ROA and 11.57% ROE, with a net interest margin of 3.89%. The bank's CET1 capital ratio is 17.52%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.49% and a Texas Ratio of 3.43%. FDIC Certificate #5058.

Assets

$1.0B

Deposits

$867M

Loans

$659M

Equity

$117M

Profitability

Return on Assets (ROA) 1.29%
Return on Equity (ROE) 11.57%
Net Interest Margin (NIM) 3.89%
Yield on Assets 5.55%
Cost of Funds 1.74%

Asset Quality

NPL Ratio 0.49%
Net Charge-Off Ratio 0.17%
Texas Ratio 3.43%
NPA Ratio 0.41%
ACL / Loans 1.18%

Capital & Liquidity

CET1 Ratio 17.52%
Tier 1 Capital 17.52%
Total Capital Ratio 18.73%
Leverage Ratio 11.29%
Loan-to-Deposit 75.95%

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