The Dart Bank
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Data as of · sourced from FFIEC call reports. How we update
The Dart Bank is an FDIC-insured commercial bank headquartered in Mason, MI, established in 1925 (FDIC certificate 5033), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.47B, up 7.6% from Q2 2025, the 10th largest of 72 banks headquartered in Michigan. Its CET1 capital ratio was 11.15% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 5033
- Headquarters
- Mason, MI
- Established
- 1925
- Total assets, Q2 2026
- $1.47B
- Assets vs Q2 2025
- +7.6%
- CET1 ratio, Q2 2026
- 11.15%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 072410903
- Holding company
- DART FINANCIAL CORPORATION
- Asset rank in state
- 10th of 72 in Michigan
Problem loans are rising at The Dart Bank. The Mason, Michigan bank had $1.5 billion in assets at June 30, 2026, up 7.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.70% of loans from 1.18% a year earlier. It spends about 85 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). It also funds 8.65% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.52%).
Loans and deposits moved in opposite directions: over the year loans fell 0.5% and deposits rose 10.2%. Credit is the area to watch: it carries problem assets equal to 15.7% of the capital and reserves that would absorb them, 4.4 times the median of 3.6% for banks its size.
As of June 30, 2026, The Dart Bank reported a CET1 capital ratio of 11.15%, a return on assets of 0.94%, a nonperforming-loan ratio of 1.75% and a Texas ratio of 15.69%. The figures come from its call report filed with the FFIEC.
The Dart Bank ranks as the 10th largest of the 72 banks based in Michigan, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 7.6% to $1.47B, loans rose 2.5% and deposits rose 20.0%. 1-4 family residential loans made up 56.4% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 15.5%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in MI; its Mason office books 82% of its branch deposits. On its Q2 2026 call report, The Dart Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 368 S Park St, Mason, MI 48854
- County
- Ingham
- Metro Area
- Lansing-East Lansing, MI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- May 1, 1925
- Former names
- The Dart Bank (2008)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 411
- Domestic deposits
- $1.27B
- Allowance for credit losses
- $11.1M
- Net charge-offs (YTD)
- $384K
- Average total assets
- $1.36B
- Average total loans
- $1.15B
- Average interest-bearing deposits
- $700.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5033
- Fed RSSD
- 47247
- SEC CIK
- 1589984 → filed by DART FINANCIAL CORPORATION
- Website
- www.dart.bank →
- Parent Holding Company
- DART FINANCIAL CORPORATION (RSSD 3726196)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Dart Bank's total assets ranged from $1.11B (Q3 2023) to $1.47B (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.47B total assets against $1.37B; $1.35B total liabilities against $1.26B.
$1.16B net loans and leases against $1.16B; $1.27B total deposits against $1.15B.
$25.2M securities against $28.8M; $190.1M cash and balances due against $87.9M.
$19.3M total interest income against $18.8M; $5.6M total interest expense against $5.9M.
$13.7M net interest income against $12.9M.
$13.7M total noninterest income against $9.9M; $23.3M total noninterest expense against $18.7M.
$0 provision for credit losses against $0.
$3.2M net income against $3.2M.
0.94% return on assets against 0.98%; 4.45% net interest margin against 4.28%.
11.15% CET1 capital ratio against 10.40%; 8.65% tier 1 leverage ratio against 8.32%.
Inside the full The Dart Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Dart Bank rankings
Its closest position to the top of a national ranking is 282 of 3,640, for Texas Ratio; its furthest is 3,369 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.51% (Q3 2024) to 1.11% (Q1 2026) and its net interest margin ran from 3.64% (Q3 2024) to 4.69% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.15% | 0.94% | 1.75% | 15.69% | 4.45% |
| Q1 2026 | 11.20% | 1.11% | 1.56% | 14.13% | 4.49% |
| Q4 2025 | 11.03% | 1.01% | 1.06% | 10.40% | 4.60% |
| Q3 2025 | 11.00% | 0.98% | 1.21% | 11.30% | 4.69% |
| Q2 2025 | 10.40% | 0.98% | 1.22% | 11.61% | 4.28% |
| Q1 2025 | 10.53% | 0.79% | 0.79% | 7.76% | 3.92% |
| Q4 2024 | 10.64% | 0.73% | 0.75% | 7.37% | 3.77% |
| Q3 2024 | 10.68% | 0.51% | 0.75% | 7.23% | 3.64% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Dart Bank | Mason , MI | 48854 | $1.03B |
| Delhi Branch | Delhi Township , MI | 48842 | $122.8M |
| Grand Ledge Branch | Grand Ledge , MI | 48837 | $86.6M |
| Frandor Branch | Lansing , MI | 48912 | $25.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in MI, rank 22 of 95 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 4 loans, $4.6M approved, $1.2M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Dart Bank
What are The Dart Bank's total assets?
As of the Q2 2026 filing, The Dart Bank reported total assets of $1.47 billion in its FFIEC call report.
Where is The Dart Bank headquartered?
It is headquartered in Mason, MI, United States.
When was The Dart Bank founded?
It was established in 1925, per the FDIC institution directory.
Is The Dart Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5033). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Dart Bank?
The Dart Bank's primary federal regulator is the FDIC.
What is The Dart Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.15% in its Q2 2026 call report, above regulatory requirements.
How many branches does The Dart Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Dart Bank's Texas Ratio?
Its Texas Ratio is 15.69% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was The Dart Bank previously called?
The charter now named The Dart Bank has also operated as The Dart Bank (2008), per FDIC structure-change records.
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