BanksBANK MICHIGAN

BANK MICHIGAN

BROOKLYN, MISmallEst. Oct. 1, 1907, midnightFDIC #1008RSSD #382742FED
Latest · 2025-12-31

BANK MICHIGAN is an FDIC-insured commercial bank headquartered in BROOKLYN, MI, established in Oct. 1, 1907, midnight. As of 2025-12-31, the bank reported total assets of $154M and total deposits of $127M. Profitability stands at 4.40% ROA and 35.77% ROE, with a net interest margin of 4.99%. CET1 capital ratio: 15.72%, well above regulatory minimums. NPL ratio: 1.33% · Texas Ratio: 7.77%. Operates 3 domestic branches.

Assets
$154M
Deposits
$127M
Loans
$119M
Equity
$19M

Profitability

Return on Assets (ROA)4.40%
Return on Equity (ROE)35.77%
Net Interest Margin4.99%
Yield on Assets6.55%
Cost of Funds1.67%

Asset Quality

NPL Ratio1.33%
Net Charge-Off Ratio0.18%
Texas Ratio7.77%
NPA Ratio1.03%
ACL / Loans1.16%

Capital & Liquidity

CET1 Ratio15.72%
Tier 1 Capital15.72%
Total Capital Ratio16.93%
Leverage Ratio12.94%
Loan-to-Deposit93.55%

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