Mayville State Bank
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Data as of · sourced from FFIEC call reports. How we update
Mayville State Bank is an FDIC-insured commercial bank headquartered in Mayville, MI, established in 1885 (FDIC certificate 12899), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $94.6M, up 1.1% from Q2 2025, the 67th largest of 72 banks headquartered in Michigan. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.72% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12899
- Headquarters
- Mayville, MI
- Established
- 1885
- Total assets, Q2 2026
- $94.6M
- Assets vs Q2 2025
- +1.1%
- Tier 1 leverage ratio, Q2 2026
- 11.72%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 072404993
- Latest call report
- Q2 2026, FFIEC 051 · Mayville State Bank call report
- Holding company
- TRI-COUNTY BANCORP, INC.
- Asset rank in state
- 67th of 72 in Michigan
Problem loans are rising at Mayville State Bank. It reported $95 million in assets at June 30, 2026, up 1.1% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.09% of loans from 1.25% a year earlier. It pays an average of 0.71% on its deposits and borrowings, about half the median of 1.53% for the 583 banks with less than $100 million in assets. On the other hand, it carries problem assets equal to 9.3% of the capital and reserves that would absorb them, 6.7 times the median of 1.4% for banks its size.
Earnings jumped: net income for the quarter was $258,000, 30% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $2.5 million equal 22% of Tier 1 capital, down from 31% a year earlier.
As of June 30, 2026, Mayville State Bank reported a return on assets of 1.07%, a nonperforming-loan ratio of 2.09% and a Texas ratio of 9.28%. The figures come from its call report filed with the FFIEC.
Mayville State Bank ranks as the 67th largest of the 72 banks based in Michigan, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 2.9% to $94.6M, loans fell 0.5% and deposits fell 3.1%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 69.7% of total loans, ahead of owner-occupied commercial real estate loans at 7.7%. Its 2 offices in the FDIC Summary of Deposits are in Mayville, MI and Millington, MI; its Mayville office books 73% of its branch deposits. On its Q2 2026 call report, Mayville State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 37 E Ohmer Rd, Mayville, MI 48744
- County
- Tuscola
- 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 051
- Established
- April 15, 1885
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 23
- Domestic deposits
- $85.0M
- Allowance for credit losses
- $593K
- Net charge-offs (YTD)
- $26K
- Average total assets
- $96.6M
- Average total loans
- $44.1M
- Average interest-bearing deposits
- $63.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12899
- Fed RSSD
- 358448
- Website
- www.mayvillestatebank.com →
- Parent Holding Company
- TRI-COUNTY BANCORP, INC. (RSSD 1969506)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Mayville State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Mayville State Bank's total assets ranged from $91.7M (Q1 2024) to $98.1M (Q4 2024), 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
$94.6M total assets against $93.6M; $85.3M total liabilities against $85.2M.
$43.6M net loans and leases against $45.0M; $85.0M total deposits against $85.0M.
$33.7M securities against $34.1M; $9.9M cash and balances due against $6.9M.
$977K total interest income against $920K; $153K total interest expense against $139K.
$824K net interest income against $781K.
$163K total noninterest income against $167K; $689K total noninterest expense against $701K.
$15K provision for credit losses against $15K.
$258K net income against $198K.
1.07% return on assets against 0.84%; 3.62% net interest margin against 3.50%.
11.72% tier 1 leverage ratio against 11.70%.
Inside the full Mayville State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.46% (Q3 2024) to 1.07% (Q2 2026) and its net interest margin ran from 3.08% (Q3 2024) to 3.66% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.72% | 1.07% | 2.09% | 9.28% | 3.62% |
| Q1 2026 | 11.41% | 0.86% | 1.48% | 6.64% | 3.59% |
| Q4 2025 | 11.39% | 0.72% | 1.59% | 7.38% | 3.66% |
| Q3 2025 | 11.95% | 0.88% | 1.34% | 6.35% | 3.62% |
| Q2 2025 | 11.70% | 0.84% | 1.25% | 6.44% | 3.50% |
| Q1 2025 | 11.15% | 0.71% | 1.23% | 6.29% | 3.30% |
| Q4 2024 | 10.96% | 0.51% | 0.59% | 3.25% | 3.22% |
| Q3 2024 | 11.47% | 0.46% | 0.49% | 2.48% | 3.08% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Mayville State Bank (main office) | Mayville , MI | 48744 | $62.4M |
| Millington Branch | Millington , MI | 48746 | $22.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MI, rank 87 of 95 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Mayville State Bank
What are Mayville State Bank's total assets?
As of the Q2 2026 filing, Mayville State Bank reported total assets of $94.6 million in its FFIEC call report.
Where is Mayville State Bank headquartered?
It is headquartered in Mayville, MI, United States.
When was Mayville State Bank founded?
It was established in 1885, per the FDIC institution directory.
Is Mayville State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12899). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Mayville State Bank?
Mayville State Bank's primary federal regulator is the FDIC.
How many branches does Mayville State Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Mayville State Bank's Texas Ratio?
Its Texas Ratio is 9.28% 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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