Branch Network
State Savings Bank Locations & Branches Frankfort, Michigan
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State Savings Bank operates 8 branches from its headquarters in Frankfort, MI, .
State Savings Bank branch network
All 8 branches are in MICHIGAN, across 6 cities. Traverse City, MI has the most of its branches, 2. Its largest office by deposits is its main office in Frankfort, MI, with $132.1M (33.7% of its branch deposits). It had the same number of branches on June 30, 2025.
State Savings Bank at a glance
It reports no CET1 ratio; its Tier 1 leverage ratio was 8.79% at Q2 2026, not above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Total assets, Q2 2026
- $431.2M
- Tier 1 leverage ratio, Q2 2026
- 8.79%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1901
Full financial profile · Is State Savings Bank safe? · State Savings Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Frankfort, MI (1 branch) | 1 of 2 | 80.8% | $132.1M |
| State: MI (8 branches) | 53 of 95 | 0.1% | $391.6M |
Ranked by total assets among banks headquartered in the state: Largest banks in Michigan.
Share by county and metro area
State Savings Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Benzie, MI (2 branches) | 1 of 3 | 51.9% | $211.4M | $407.3M |
| Grand Traverse, MI (2 branches) | 8 of 13 | 2.5% | $95.4M | $3.84B |
| Otsego, MI (2 branches) | 5 of 5 | 9.1% | $52.5M | $579.7M |
| Leelanau, MI (2 branches) | 4 of 4 | 7.6% | $32.4M | $424.9M |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Traverse City, MI (6 branches) | 5 of 13 | 7.1% | $339.2M | $4.78B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| State Savings Bank (main office) | Frankfort, MI | 49635 | $132.1M |
| Beulah Branch | Beulah, MI | 49617 | $79.4M |
| Traverse City Garfield Branch | Traverse City, MI | 49686 | $48.3M |
| Traverse City Banch | Traverse City, MI | 49686 | $47.1M |
| Gaylord Branch | Gaylord, MI | 49735 | $30.5M |
| Empire Branch | Empire, MI | 49630 | $28.0M |
| Gaylord South Office Branch | Gaylord, MI | 49735 | $22.0M |
| Suttons Bay Branch | Suttons Bay, MI | 49682 | $4.4M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 8162) · FFIEC NIC profile (RSSD 22543)