BLISSFIELD STATE BANK

Latest Report: 2025-12-31

BLISSFIELD STATE BANK is asn small FDIC-insured commercial bank headquartered in BLISSFIELD, MI, established in May 24, 1873, midnight. As of 2025-12-31, the bank reported total assets of $119M and total deposits of $109M. Profitability stands at 1.14% ROA and 14.29% ROE, with a net interest margin of 3.93%. The bank's CET1 capital ratio is 8.00%. Asset quality metrics show a non-performing loan ratio of 0.68% and a Texas Ratio of 3.59%. FDIC Certificate #976.

Assets

$119M

Deposits

$109M

Loans

$56M

Equity

$10M

Profitability

Return on Assets (ROA) 1.14%

Return on Equity (ROE) 14.29%

Net Interest Margin (NIM) 3.93%

Yield on Assets 4.91%

Cost of Funds 0.98%

Asset Quality

NPL Ratio 0.68%

Net Charge-Off Ratio 0.01%

Texas Ratio 3.59%

NPA Ratio 0.32%

ACL / Loans 1.77%

Capital & Liquidity

CET1 Ratio 8.00%

Tier 1 Capital 8.00%

Total Capital Ratio 8.40%

Leverage Ratio 10.93%

Loan-to-Deposit 50.85%

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