KALAMAZOO COUNTY STATE BANK

SCHOOLCRAFT, MI | Small | Est. Jan. 1, 1908, midnight | FDIC #5892 | RSSD #644141 | FDIC
Latest Report: 2025-12-31

KALAMAZOO COUNTY STATE BANK is asn small FDIC-insured commercial bank headquartered in SCHOOLCRAFT, MI, established in Jan. 1, 1908, midnight. As of 2025-12-31, the bank reported total assets of $120M and total deposits of $107M. Profitability stands at 0.57% ROA and 5.69% ROE, with a net interest margin of 4.07%. The bank's CET1 capital ratio is 20.48%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.02% and a Texas Ratio of 0.08%. FDIC Certificate #5892.

Assets

$120M

Deposits

$107M

Loans

$56M

Equity

$12M

Profitability

Return on Assets (ROA) 0.57%
Return on Equity (ROE) 5.69%
Net Interest Margin (NIM) 4.07%
Yield on Assets 4.68%
Cost of Funds 0.63%

Asset Quality

NPL Ratio 0.02%
Net Charge-Off Ratio 0.16%
Texas Ratio 0.08%
NPA Ratio 0.01%
ACL / Loans 0.91%

Capital & Liquidity

CET1 Ratio 20.48%
Tier 1 Capital 20.48%
Total Capital Ratio 21.24%
Leverage Ratio 11.81%
Loan-to-Deposit 52.59%

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