KALAMAZOO COUNTY STATE BANK
KALAMAZOO COUNTY STATE BANK is an FDIC-insured commercial bank headquartered in SCHOOLCRAFT, MI, established in 1908. As of , 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 3.99%. CET1 capital ratio: 20.48%, well above regulatory minimums. NPL ratio: 0.02% · Texas Ratio: 0.08%. Operates 3 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Kalamazoo County State Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 20.48% | 0.57% | 0.02% | 0.08% | 3.99% |
| 2025-09-30 | 20.82% | 0.55% | 0.12% | 0.55% | 3.92% |
| 2025-06-30 | 20.28% | 0.49% | 0.00% | 0.01% | 3.78% |
| 2025-03-31 | 19.51% | 0.41% | 0.00% | 0.02% | 3.67% |
| 2024-12-31 | 18.65% | 0.54% | 0.25% | 1.31% | 3.85% |
| 2024-09-30 | 19.66% | 0.62% | 0.13% | 0.69% | 3.90% |
| 2024-06-30 | 18.09% | 0.34% | 0.24% | 3.57% | 3.82% |
| 2024-03-31 | 17.62% | 0.37% | 0.65% | 4.05% | 3.48% |
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Frequently asked about KALAMAZOO COUNTY STATE BANK
What are Kalamazoo County State Bank's total assets?
As of the Q4 2025 filing, Kalamazoo County State Bank reported total assets of $119.9 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Kalamazoo County State Bank headquartered?
Kalamazoo County State Bank is headquartered in SCHOOLCRAFT, MI, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Kalamazoo County State Bank founded?
Kalamazoo County State Bank was established in 1908, per the FDIC institution directory.
Is Kalamazoo County State Bank FDIC-insured?
Yes. Kalamazoo County State Bank is an FDIC-insured commercial bank (FDIC Certificate #5892). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Kalamazoo County State Bank?
Kalamazoo County State Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Kalamazoo County State Bank's CET1 capital ratio?
Kalamazoo County State Bank reported a Common Equity Tier 1 (CET1) capital ratio of 20.48% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Kalamazoo County State Bank operate?
Kalamazoo County State Bank operates 3 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Kalamazoo County State Bank's Texas Ratio?
Kalamazoo County State Bank's Texas Ratio is 0.08% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.