Sidney 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.
Securities to assets climbed 1.17 percentage points in Q2 2026, from 25.62% to 26.79%. It was the largest change from Q1 2026 among the key lines here. Within Michigan, Sidney State Bank is 8th of 72 on return on assets, 1.90% as of Q2 2026. Against a median of 1.26% for banks in the $100M-1B asset tier, Sidney State Bank reported 1.90% on return on assets in Q2 2026, 0.65 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.65% |
| Equity capital to assets | 9.75% |
| Tangible equity to tangible assets | 9.75% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.06% |
| Non-performing assets ratio | 0.11% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.04% |
| Allowance for credit losses to loans | 1.67% |
| Reserve coverage of non-performing loans | 2810.91% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.90% |
| Return on equity | 20.19% |
| Net interest margin | 4.97% |
| Efficiency ratio | 51.35% |
| Yield on earning assets | 6.11% |
| Cost of funds | 1.24% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.10% |
| Core deposits to total deposits | 95.01% |
| Brokered deposits to total deposits | 0.29% |
| Deposits to assets | 88.74% |
| Securities to assets | 26.79% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.30% | 14.30% | 15.57% | 8.39% | 0.89% |
| Q4 2023 | 14.05% | 14.05% | 15.31% | 8.31% | 0.85% |
| Q1 2024 | 14.07% | 14.07% | 15.38% | 8.15% | 1.05% |
| Q2 2024 | 14.17% | 14.17% | 15.46% | 8.30% | 1.31% |
| Q3 2024 | 14.90% | 14.90% | 16.21% | 8.65% | 1.48% |
| Q4 2024 | 15.48% | 15.48% | 16.80% | 8.87% | 1.25% |
| Q1 2025 | 15.63% | 15.63% | 16.88% | 8.69% | 1.43% |
| Q2 2025 | 15.96% | 15.96% | 17.22% | 8.83% | 1.72% |
| Q3 2025 | 16.70% | 16.70% | 17.96% | 8.72% | 1.18% |
| Q4 2025 | — | — | — | 9.27% | 2.51% |
| Q1 2026 | — | — | — | 9.30% | 1.92% |
| Q2 2026 | — | — | — | 9.65% | 1.90% |
Sidney State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Sidney 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 Sidney State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17232) · FFIEC NIC profile (RSSD 648345)