The Miners State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 410.03 percentage points higher than in Q1 2026, at 2322.22%. Within Michigan, The Miners State Bank is 56th of 72 on return on assets, 0.88% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Miners State Bank sits 0.38 points lower, at 0.88% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.19% |
| Equity capital to assets | 11.50% |
| Tangible equity to tangible assets | 11.50% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.04% |
| Non-performing assets ratio | 0.25% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 2.09% |
| Allowance for credit losses to loans | 0.97% |
| Reserve coverage of non-performing loans | 2322.22% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.88% |
| Return on equity | 7.90% |
| Net interest margin | 4.27% |
| Efficiency ratio | 70.52% |
| Yield on earning assets | 5.49% |
| Cost of funds | 1.30% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.42% |
| Core deposits to total deposits | 94.09% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.22% |
| Securities to assets | 27.29% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.64% | 0.57% | 3.58% | 1.37% | 0.00% |
| Q4 2023 | 11.44% | 0.10% | 3.56% | 1.39% | 0.00% |
| Q1 2024 | 11.36% | 0.32% | 3.41% | 1.26% | 1.93% |
| Q2 2024 | 11.41% | 0.33% | 3.33% | 0.98% | 0.00% |
| Q3 2024 | 10.99% | -0.53% | 3.31% | 0.76% | 0.46% |
| Q4 2024 | 11.14% | 0.17% | 3.54% | 0.09% | 1.42% |
| Q1 2025 | 11.43% | 0.83% | 3.56% | 0.46% | 0.00% |
| Q2 2025 | 11.32% | 0.52% | 3.78% | 0.09% | 0.43% |
| Q3 2025 | 11.35% | 1.28% | 4.10% | 0.06% | 0.05% |
| Q4 2025 | 11.53% | 0.77% | 4.19% | 0.06% | 0.00% |
| Q1 2026 | 11.78% | 1.18% | 4.10% | 0.05% | 0.04% |
| Q2 2026 | 12.19% | 0.88% | 4.27% | 0.04% | 0.00% |
The Miners State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Miners State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Miners State Bank profile, peer group comparison, or how this data updates.
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