BanksSIDNEY STATE BANK

SIDNEY STATE BANK

SIDNEY, MISmallEst. Oct. 10, 1921, midnightFDIC #17232RSSD #648345FDIC
Latest · 2025-12-31

SIDNEY STATE BANK is an 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%. CET1 capital ratio: 9.44%. NPL ratio: 0.02% · Texas Ratio: 0.90%. Operates 3 domestic branches.

Assets
$141M
Deposits
$126M
Loans
$95M
Equity
$13M

Profitability

Return on Assets (ROA)1.83%
Return on Equity (ROE)19.83%
Net Interest Margin5.18%
Yield on Assets6.51%
Cost of Funds1.37%

Asset Quality

NPL Ratio0.02%
Net Charge-Off Ratio-0.02%
Texas Ratio0.90%
NPA Ratio0.09%
ACL / Loans1.51%

Capital & Liquidity

CET1 Ratio9.44%
Tier 1 Capital9.44%
Total Capital Ratio9.92%
Leverage Ratio9.27%
Loan-to-Deposit75.50%

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