Sturgis Bank & Trust Company: 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.
Reserve coverage of non-performing loans climbed 12.08 percentage points in Q2 2026, from 68.44% to 80.53%. It was the largest change from Q1 2026 among the key lines here. Sturgis Bank & Trust Company ranks 41st of 72 Michigan banks on return on assets, in the lower half at 1.16% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Sturgis Bank & Trust Company sits 0.11 points lower, at 1.16% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.11% |
| Tier 1 risk-based capital ratio | 12.11% |
| Total risk-based capital ratio | 13.34% |
| Tier 1 leverage ratio | 8.63% |
| Equity capital to assets | 8.15% |
| Tangible equity to tangible assets | 7.62% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.36% |
| Non-performing assets ratio | 1.41% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 16.82% |
| Allowance for credit losses to loans | 1.10% |
| Reserve coverage of non-performing loans | 80.53% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.16% |
| Return on equity | 14.42% |
| Net interest margin | 3.85% |
| Efficiency ratio | 73.06% |
| Yield on earning assets | 5.45% |
| Cost of funds | 1.66% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.09% |
| Core deposits to total deposits | 84.84% |
| Brokered deposits to total deposits | 1.24% |
| Deposits to assets | 86.79% |
| Securities to assets | 12.67% |
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 | 11.37% | 11.37% | 12.59% | 8.22% | 1.53% |
| Q4 2023 | 11.15% | 11.15% | 12.40% | 8.05% | 0.41% |
| Q1 2024 | 10.80% | 10.80% | 12.05% | 7.64% | -0.69% |
| Q2 2024 | 10.68% | 10.68% | 11.92% | 7.66% | 0.72% |
| Q3 2024 | 11.01% | 11.01% | 12.26% | 7.71% | 0.80% |
| Q4 2024 | 11.07% | 11.07% | 12.32% | 7.89% | 0.99% |
| Q1 2025 | 11.31% | 11.31% | 12.56% | 7.92% | 0.77% |
| Q2 2025 | 11.12% | 11.12% | 12.37% | 8.00% | 0.86% |
| Q3 2025 | 11.29% | 11.29% | 12.54% | 7.85% | 1.03% |
| Q4 2025 | 11.46% | 11.46% | 12.69% | 8.11% | 1.00% |
| Q1 2026 | 11.45% | 11.45% | 12.70% | 8.05% | 0.89% |
| Q2 2026 | 12.11% | 12.11% | 13.34% | 8.63% | 1.16% |
Sturgis Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Sturgis Bank & Trust Company, 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 Sturgis Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28593) · FFIEC NIC profile (RSSD 366078)