MINERS STATE BANK, THE

IRON RIVER, MI | Small | Est. Jan. 1, 1932, midnight | FDIC #10928 | RSSD #255350 | FDIC
Latest Report: 2025-12-31

MINERS STATE BANK, THE is asn small FDIC-insured commercial bank headquartered in IRON RIVER, MI, established in Jan. 1, 1932, midnight. As of 2025-12-31, the bank reported total assets of $141M and total deposits of $124M. Profitability stands at 0.78% ROA and 7.22% ROE, with a net interest margin of 4.14%. The bank's CET1 capital ratio is 10.89%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.01% and a Texas Ratio of 2.87%. FDIC Certificate #10928.

Assets

$141M

Deposits

$124M

Loans

$89M

Equity

$15M

Profitability

Return on Assets (ROA) 0.78%
Return on Equity (ROE) 7.22%
Net Interest Margin (NIM) 4.14%
Yield on Assets 5.40%
Cost of Funds 1.32%

Asset Quality

NPL Ratio 0.01%
Net Charge-Off Ratio 0.12%
Texas Ratio 2.87%
NPA Ratio 0.33%
ACL / Loans 0.89%

Capital & Liquidity

CET1 Ratio 10.89%
Tier 1 Capital 10.89%
Total Capital Ratio 11.44%
Leverage Ratio 11.53%
Loan-to-Deposit 71.78%

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