The State Savings Bank of Manistique: 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: 426.52 percentage points lower than in Q1 2026, at 133.83%. The State Savings Bank of Manistique ranks 54th of 72 Michigan banks on return on assets, in the lower half at 0.89% (Q2 2026). The State Savings Bank of Manistique reported 0.89% on return on assets for Q2 2026, 0.37 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.64% |
| Equity capital to assets | 8.06% |
| Tangible equity to tangible assets | 8.06% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.80% |
| Non-performing assets ratio | 0.42% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 4.85% |
| Allowance for credit losses to loans | 1.07% |
| Reserve coverage of non-performing loans | 133.83% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.89% |
| Return on equity | 11.28% |
| Net interest margin | 3.15% |
| Efficiency ratio | 69.65% |
| Yield on earning assets | 4.86% |
| Cost of funds | 1.77% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 60.47% |
| Core deposits to total deposits | 85.54% |
| Brokered deposits to total deposits | 11.68% |
| Deposits to assets | 86.45% |
| Securities to assets | 39.95% |
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 | 10.54% | 0.93% | 2.87% | 0.65% | -0.33% |
| Q4 2023 | 10.57% | 0.46% | 2.61% | 0.66% | 0.10% |
| Q1 2024 | 10.50% | 0.75% | 2.48% | 0.53% | -0.01% |
| Q2 2024 | 10.27% | 0.30% | 2.64% | 0.08% | -0.02% |
| Q3 2024 | 10.31% | 0.67% | 2.57% | 0.51% | 0.38% |
| Q4 2024 | 10.19% | -0.14% | 2.71% | 0.61% | -0.08% |
| Q1 2025 | 10.10% | 0.69% | 2.57% | 0.17% | 0.54% |
| Q2 2025 | 10.23% | 0.86% | 2.80% | 0.18% | -0.02% |
| Q3 2025 | 10.20% | 0.73% | 2.88% | 0.16% | 0.00% |
| Q4 2025 | 10.03% | 0.22% | 3.01% | 0.19% | 0.00% |
| Q1 2026 | 9.46% | 0.67% | 2.94% | 0.18% | 0.01% |
| Q2 2026 | 9.64% | 0.89% | 3.15% | 0.80% | 0.00% |
The State Savings Bank of Manistique vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The State Savings Bank of Manistique, 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 State Savings Bank of Manistique profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13249) · FFIEC NIC profile (RSSD 259956)