Sidney State Bank
BankRegReports is independent of Sidney State Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Sidney State Bank is an FDIC-insured commercial bank headquartered in Sidney, MI, established in 1921 (FDIC certificate 17232), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $138.7M, down 5.3% from Q2 2025, the 60th largest of 72 banks headquartered in Michigan. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.65% 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
- 17232
- Headquarters
- Sidney, MI
- Established
- 1921
- Total assets, Q2 2026
- $138.7M
- Assets vs Q2 2025
- -5.3%
- Tier 1 leverage ratio, Q2 2026
- 9.65%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 072410929
- Holding company
- SIDNEY BANCORP.
- Asset rank in state
- 60th of 72 in Michigan
Sidney State Bank earns an unusually wide margin on its lending. It reported $139 million in assets at June 30, 2026, down 5.3% from a year earlier. It keeps 4.97 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also lost 6.8% of its deposits over the year, lower than about 9 in 10 banks its size (median 4.0%).
Net income for the quarter rose 12% from a year earlier, to $675,000. Over the same year, loans shrank 2.7% and deposits shrank 6.8%. Where it has less room is capital: it funds 9.65% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Sidney State Bank reported a return on assets of 1.90%, a nonperforming-loan ratio of 0.06% and a Texas ratio of 1.04%. The figures come from its call report filed with the FFIEC.
Sidney State Bank ranks as the 60th largest of the 72 banks based in Michigan, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 3.2% to $138.7M, loans fell 2.7% and deposits fell 3.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 61.3% of total loans, ahead of owner-occupied commercial real estate loans at 8.7%. The FDIC Summary of Deposits lists 3 offices for it, in Sidney, MI, Sheridan, MI and Stanton, MI; its Sidney office books 85% of its branch deposits. Judged on its Q2 2026 call report, Sidney State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 3016 W Sidney Rd, Sidney, MI 48885
- County
- Montcalm
- Metro Area
- Grand Rapids-Wyoming-Kentwood, 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 051
- Established
- October 10, 1921
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 25
- Domestic deposits
- $123.1M
- Allowance for credit losses
- $1.5M
- Net charge-offs (YTD)
- -$5K
- Average total assets
- $141.9M
- Average total loans
- $94.0M
- Average interest-bearing deposits
- $109.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 15, 1953
- FDIC Cert
- 17232
- Fed RSSD
- 648345
- Website
- www.sidneybank.com →
- Parent Holding Company
- SIDNEY BANCORP. (RSSD 3621497)
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, Sidney State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Sidney State Bank's total assets moved between a low of $121.7M (Q3 2023) and a high of $146.5M (Q2 2025) from Q3 2023 to Q2 2026, 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
$138.7M total assets against $146.5M; $125.2M total liabilities against $134.2M.
$90.9M net loans and leases against $93.6M; $123.1M total deposits against $132.1M.
$37.2M securities against $31.6M; $8.0M cash and balances due against $18.8M.
$2.1M total interest income against $2.1M; $396K total interest expense against $437K.
$1.7M net interest income against $1.6M.
$110K total noninterest income against $102K; $942K total noninterest expense against $892K.
$36K provision for credit losses against $32K.
$675K net income against $603K.
1.90% return on assets against 1.72%; 4.97% net interest margin against 4.61%.
9.65% tier 1 leverage ratio against 8.83%.
Inside the full Sidney State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSidney State Bank rankings
Its closest position to the top of a national ranking is 611 of 3,611, for ROA; its furthest is 3,377 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.18% (Q3 2025) to 2.51% (Q4 2025) and its net interest margin ran from 3.00% (Q3 2025) to 6.48% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.65% | 1.90% | 0.06% | 1.04% | 4.97% |
| Q1 2026 | 9.30% | 1.92% | 0.01% | 0.80% | 5.06% |
| Q4 2025 | 9.27% | 2.51% | 0.07% | 1.20% | 6.48% |
| Q3 2025 | 8.72% | 1.18% | 0.00% | 0.80% | 3.00% |
| Q2 2025 | 8.83% | 1.72% | 0.03% | 1.04% | 4.61% |
| Q1 2025 | 8.69% | 1.43% | 0.03% | 1.14% | 4.26% |
| Q4 2024 | 8.87% | 1.25% | 0.17% | 2.76% | 4.21% |
| Q3 2024 | 8.65% | 1.48% | 0.09% | 2.23% | 4.20% |
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 |
|---|---|---|---|
| Sidney State Bank (main office) | Sidney , MI | 48885 | $104.0M |
| Sheridan Office | Sheridan , MI | 48884 | $15.9M |
| Stanton Office Branch | Stanton , MI | 48888 | $3.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MI, rank 78 of 95 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 79 applications, 66 loans originated, $11.4M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, 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
Add this badge to your website
Free to use. It shows Sidney State Bank’s latest filed figures and updates each quarter.
Similar banks
Compare Sidney State Bank with peers
Frequently asked about Sidney State Bank
What are Sidney State Bank's total assets?
As of the Q2 2026 filing, Sidney State Bank reported total assets of $138.7 million in its FFIEC call report.
Where is Sidney State Bank headquartered?
It is headquartered in Sidney, MI, United States.
When was Sidney State Bank founded?
It was established in 1921, per the FDIC institution directory.
Is Sidney State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17232). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Sidney State Bank?
Sidney State Bank's primary federal regulator is the FDIC.
How many branches does Sidney 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 Sidney State Bank's Texas Ratio?
Its Texas Ratio is 1.04% 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.
Go deeper on Sidney State Bank.
Get an email when Sidney State Bank files its next call report, and benchmark it against any peer you choose.
Unlock Sidney State Bank, freeFree account