STURGIS BANK & TRUST COMPANY

STURGIS, MI | Medium | Est. Jan. 1, 1905, midnight | FDIC #28593 | RSSD #366078 | FDIC
Latest Report: 2025-12-31

STURGIS BANK & TRUST COMPANY is amn medium FDIC-insured commercial bank headquartered in STURGIS, MI, established in Jan. 1, 1905, midnight. As of 2025-12-31, the bank reported total assets of $998M and total deposits of $893M. Profitability stands at 1.00% ROA and 13.03% ROE, with a net interest margin of 3.82%. The bank's CET1 capital ratio is 11.46%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.29% and a Texas Ratio of 12.75%. FDIC Certificate #28593.

Assets

$998M

Deposits

$893M

Loans

$794M

Equity

$78M

Profitability

Return on Assets (ROA) 1.00%
Return on Equity (ROE) 13.03%
Net Interest Margin (NIM) 3.82%
Yield on Assets 5.55%
Cost of Funds 1.74%

Asset Quality

NPL Ratio 1.29%
Net Charge-Off Ratio -0.01%
Texas Ratio 12.75%
NPA Ratio 1.11%
ACL / Loans 1.14%

Capital & Liquidity

CET1 Ratio 11.46%
Tier 1 Capital 11.46%
Total Capital Ratio 12.69%
Leverage Ratio 8.11%
Loan-to-Deposit 88.87%

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