Kalamazoo County State Bank
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Data as of · sourced from FFIEC call reports. How we update
Kalamazoo County State Bank is an FDIC-insured commercial bank headquartered in Schoolcraft, MI, established in 1908 (FDIC certificate 5892), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $118.4M, down 1.3% from Q2 2025, the 63rd largest of 72 banks headquartered in Michigan. Its CET1 capital ratio was 20.34% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 5892
- Headquarters
- Schoolcraft, MI
- Established
- 1908
- Total assets, Q2 2026
- $118.4M
- Assets vs Q2 2025
- -1.3%
- CET1 ratio, Q2 2026
- 20.34%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 072408274
- Asset rank in state
- 63rd of 72 in Michigan
Problem loans are rising at Kalamazoo County State Bank. Its balance sheet stood at $118 million at June 30, 2026, down 1.3% from a year earlier; it is based in Schoolcraft, Michigan. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.33% of loans from 0.00% a year earlier. It spends about 83 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). On the other hand, it pays an average of 0.70% on its deposits and borrowings, about a third the median of 1.80% for banks its size.
Net income for the quarter rose 15% from a year earlier, to $172,000. Over the same year, loans grew 11.2% and deposits shrank 2.6%. Profitability lags: it earns about $0.58 a year on every $100 of assets, about half the median of $1.28 for banks its size.
As of June 30, 2026, Kalamazoo County State Bank reported a CET1 capital ratio of 20.34%, a return on assets of 0.58%, a nonperforming-loan ratio of 0.33% and a Texas ratio of 1.52%. The figures come from its call report filed with the FFIEC.
Of the 72 banks headquartered in Michigan, Kalamazoo County State Bank is the 63rd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 2.0% to $118.4M, loans rose 3.6% and deposits fell 2.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 51.1% of total loans, ahead of auto loans at 14.4%. The FDIC Summary of Deposits lists 3 offices for it, in Schoolcraft, MI, Vicksburg, MI and Mattawan, MI; its Schoolcraft office books 55% of its branch deposits. On its Q2 2026 call report, Kalamazoo County State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 223 N Grand St, Schoolcraft, MI 49087
- County
- Kalamazoo
- Metro Area
- Kalamazoo-Portage, 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
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1908
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 34
- Domestic deposits
- $105.3M
- Allowance for credit losses
- $514K
- Net charge-offs (YTD)
- $25K
- Average total assets
- $119.6M
- Average total loans
- $59.9M
- Average interest-bearing deposits
- $68.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5892
- Fed RSSD
- 644141
- Website
- www.kcsbank.com →
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, Kalamazoo County State Bank's total assets ranged from $117.9M (Q3 2024) to $124.8M (Q3 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$118.4M total assets against $120.0M; $105.8M total liabilities against $108.7M.
$60.7M net loans and leases against $54.6M; $105.3M total deposits against $108.1M.
$44.7M securities against $50.0M; $6.5M cash and balances due against $9.7M.
$1.5M total interest income against $1.3M; $186K total interest expense against $183K.
$1.3M net interest income against $1.1M.
$98K total noninterest income against $88K; $1.1M total noninterest expense against $1.0M.
$10K provision for credit losses against $2K.
$172K net income against $150K.
0.58% return on assets against 0.50%; 4.31% net interest margin against 3.75%.
20.34% CET1 capital ratio against 20.28%; 12.08% tier 1 leverage ratio against 11.59%.
Inside the full Kalamazoo County State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeKalamazoo County State Bank rankings
Its closest position to the top of a national ranking is 320 of 2,134, for CET1 ratio; its furthest is 3,333 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.41% (Q1 2025) to 0.62% (Q3 2024) and its net interest margin ran from 3.63% (Q1 2025) to 4.31% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.34% | 0.58% | 0.33% | 1.52% | 4.31% |
| Q1 2026 | 20.09% | 0.50% | 0.26% | 1.18% | 4.00% |
| Q4 2025 | 20.48% | 0.59% | 0.25% | 1.09% | 3.97% |
| Q3 2025 | 20.82% | 0.56% | 0.30% | 1.31% | 3.90% |
| Q2 2025 | 20.28% | 0.50% | 0.00% | 0.01% | 3.75% |
| Q1 2025 | 19.51% | 0.41% | 0.19% | 0.90% | 3.63% |
| Q4 2024 | 18.65% | 0.53% | 0.27% | 1.39% | 3.82% |
| Q3 2024 | 19.66% | 0.62% | 0.26% | 1.31% | 3.86% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| Kalamazoo County State Bank (main office) | Schoolcraft , MI | 49087 | $58.2M |
| Vicksburg Branch | Vicksburg , MI | 49097 | $26.4M |
| Mattawan Branch | Mattawan , MI | 49071 | $20.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MI, rank 82 of 95 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 32 applications, 29 loans originated, $4.0M originated, across 1 states
- Period: Calendar year 2019. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $156K approved, $156K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Kalamazoo County State Bank
What are Kalamazoo County State Bank's total assets?
As of the Q2 2026 filing, Kalamazoo County State Bank reported total assets of $118.4 million in its FFIEC call report.
Where is Kalamazoo County State Bank headquartered?
It is headquartered in Schoolcraft, MI, United States.
When was Kalamazoo County State Bank founded?
It was established in 1908, per the FDIC institution directory.
Is Kalamazoo County State Bank FDIC-insured?
Yes. It 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.
What is Kalamazoo County State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 20.34% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Kalamazoo County State Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Kalamazoo County State Bank's Texas Ratio?
Its Texas Ratio is 1.52% 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.
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