State Savings 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: 35.42 percentage points lower than in Q1 2026, at 433.02%. On return on assets, State Savings Bank is 4th from the bottom among 72 Michigan banks, 0.26% (Q2 2026). State Savings Bank's return on assets of 0.26% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.99 points (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 | 8.79% |
| Equity capital to assets | 8.58% |
| Tangible equity to tangible assets | 8.58% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.19% |
| Non-performing assets ratio | 0.15% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 1.68% |
| Allowance for credit losses to loans | 0.84% |
| Reserve coverage of non-performing loans | 433.02% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.26% |
| Return on equity | 2.91% |
| Net interest margin | 4.76% |
| Efficiency ratio | 94.07% |
| Yield on earning assets | 6.16% |
| Cost of funds | 1.43% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.33% |
| Core deposits to total deposits | 96.88% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.83% |
| Securities to assets | 4.94% |
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 | 9.05% | 1.00% | 4.83% | 0.30% | 0.18% |
| Q4 2023 | 9.51% | 0.79% | 4.80% | 0.32% | 0.11% |
| Q1 2024 | 9.60% | 0.51% | 4.58% | 0.32% | 0.01% |
| Q2 2024 | 9.67% | 0.73% | 4.74% | 0.29% | -0.00% |
| Q3 2024 | 9.19% | 0.46% | 4.61% | 0.24% | -0.02% |
| Q4 2024 | 9.14% | 0.23% | 4.77% | 0.21% | 0.15% |
| Q1 2025 | 9.47% | 0.10% | 4.49% | 0.20% | 0.03% |
| Q2 2025 | 9.19% | 0.36% | 4.79% | 0.28% | 0.01% |
| Q3 2025 | 8.52% | 0.45% | 4.61% | 0.16% | 0.00% |
| Q4 2025 | 8.64% | 0.60% | 4.84% | 0.14% | -0.04% |
| Q1 2026 | 9.02% | 0.45% | 4.71% | 0.19% | -0.01% |
| Q2 2026 | 8.79% | 0.26% | 4.76% | 0.19% | -0.00% |
State Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock State Savings 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 State Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8162) · FFIEC NIC profile (RSSD 22543)