SIDNEY STATE BANK

SIDNEY, MI | Small | Est. Oct. 10, 1921, midnight | FDIC #17232 | RSSD #648345 | FDIC
Latest Report: 2025-12-31

SIDNEY STATE BANK is asn small FDIC-insured commercial bank headquartered in SIDNEY, MI, established in Oct. 10, 1921, midnight. As of 2025-12-31, the bank reported total assets of $141M and total deposits of $126M. Profitability stands at 1.83% ROA and 19.83% ROE, with a net interest margin of 5.18%. The bank's CET1 capital ratio is 9.44%. Asset quality metrics show a non-performing loan ratio of 0.02% and a Texas Ratio of 0.90%. FDIC Certificate #17232.

Assets

$141M

Deposits

$126M

Loans

$95M

Equity

$13M

Profitability

Return on Assets (ROA) 1.83%
Return on Equity (ROE) 19.83%
Net Interest Margin (NIM) 5.18%
Yield on Assets 6.51%
Cost of Funds 1.37%

Asset Quality

NPL Ratio 0.02%
Net Charge-Off Ratio -0.02%
Texas Ratio 0.90%
NPA Ratio 0.09%
ACL / Loans 1.51%

Capital & Liquidity

CET1 Ratio 9.44%
Tier 1 Capital 9.44%
Total Capital Ratio 9.92%
Leverage Ratio 9.27%
Loan-to-Deposit 75.50%

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