Superior National Bank
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Data as of · sourced from FFIEC call reports. How we update
Superior National Bank is an FDIC-insured commercial bank headquartered in Hancock, MI, established in 1890 (FDIC certificate 5058), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.04B, up 4.2% from Q2 2025, the 17th largest of 72 banks headquartered in Michigan. Its CET1 capital ratio was 17.27% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 5058
- Headquarters
- Hancock, MI
- Established
- 1890
- Total assets, Q2 2026
- $1.04B
- Assets vs Q2 2025
- +4.2%
- CET1 ratio, Q2 2026
- 17.27%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 091101879
- Latest call report
- Q2 2026, FFIEC 051 · Superior National Bank call report
- Holding company
- KEWEENAW FINANCIAL CORPORATION
- Asset rank in state
- 17th of 72 in Michigan
Superior National Bank, based in Hancock, Michigan, reported $1.0 billion in assets at June 30, 2026, up 4.2% from a year earlier. It grew its loan book 0.1% over the year, a small fraction of the median of 5.9% for the 895 banks with $1 billion to $10 billion in assets. It also holds common equity equal to 17.27% of its risk-weighted assets, higher than about three-quarters of banks its size (median 13.52%).
Earnings jumped: net income for the quarter was $3.3 million, 53% above the same quarter a year earlier. Its $89 million non-owner-occupied commercial real estate book is now fully current, after 2.62% of it was past due or on nonaccrual a year earlier. One more trend to watch: the commercial and industrial book ($77 million) is worsening: 1.74% of it is past due or on nonaccrual, up from 0.66% a year earlier.
As of June 30, 2026, Superior National Bank reported a CET1 capital ratio of 17.27%, a return on assets of 1.24%, a nonperforming-loan ratio of 0.65% and a Texas ratio of 4.80%. The figures come from its call report filed with the FFIEC.
Superior National Bank ranks as the 17th largest of the 72 banks based in Michigan, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.0% to $1.04B, loans rose 3.0% and deposits fell 0.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 42.6% of total loans, ahead of non-owner-occupied commercial real estate loans at 13.1%. Its 10 offices in the FDIC Summary of Deposits are in 8 cities in MI; its Hancock 2 offices book 38% of its branch deposits. On its Q2 2026 call report, Superior National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 235 Quincy St, Hancock, MI 49930
- County
- Houghton
- Metro Area
- Houghton, MI
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- March 6, 1890
- Former names
- Superior National Bank & Trust Company (1990-2021)
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 189
- Domestic deposits
- $881.5M
- Allowance for credit losses
- $8.1M
- Net charge-offs (YTD)
- $129K
- Average total assets
- $1.06B
- Average total loans
- $665.7M
- Average interest-bearing deposits
- $681.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5058
- Fed RSSD
- 245557
- SEC CIK
- 1845365 → filed by KEWEENAW FINANCIAL CORPORATION
- Website
- www.snb-t.com →
- Parent Holding Company
- KEWEENAW FINANCIAL CORPORATION (RSSD 1495854)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Superior National Bank's total assets ranged from $995.8M (Q4 2024) to $1.05B (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.04B total assets against $1.00B; $921.8M total liabilities against $892.1M.
$671.1M net loans and leases against $669.6M; $881.5M total deposits against $842.0M.
$248.5M securities against $247.2M; $57.3M cash and balances due against $27.0M.
$13.2M total interest income against $12.4M; $3.9M total interest expense against $3.8M.
$9.3M net interest income against $8.6M.
$3.3M total noninterest income against $2.5M; $8.2M total noninterest expense against $8.1M.
$273K provision for credit losses against $330K.
$3.3M net income against $2.1M.
1.24% return on assets against 0.84%; 3.86% net interest margin against 3.69%.
17.27% CET1 capital ratio against 16.46%; 11.70% tier 1 leverage ratio against 11.36%.
Inside the full Superior National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSuperior National Bank rankings
Its closest position to the top of a national ranking is 1,004 of 4,196, for total assets; its furthest is 680 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.65% (Q1 2025) to 1.35% (Q3 2025) and its net interest margin ran from 3.41% (Q3 2024) to 3.86% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.27% | 1.24% | 0.65% | 4.80% | 3.86% |
| Q1 2026 | 17.56% | 1.06% | 0.47% | 3.91% | 3.76% |
| Q4 2025 | 17.52% | 1.25% | 0.49% | 3.98% | 3.77% |
| Q3 2025 | 16.92% | 1.35% | 0.83% | 6.74% | 3.86% |
| Q2 2025 | 16.46% | 0.84% | 0.93% | 7.32% | 3.69% |
| Q1 2025 | 16.97% | 0.65% | 1.21% | 8.06% | 3.47% |
| Q4 2024 | 16.57% | 0.87% | 0.80% | 5.87% | 3.52% |
| Q3 2024 | 16.34% | 0.91% | 0.53% | 4.31% | 3.41% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Superior National Bank (main office) | Hancock , MI | 49930 | $332.6M |
| Baraga Branch | Baraga , MI | 49908 | $137.1M |
| Bloomfield Hills Branch | Bloomfield Hills , MI | 48301 | $99.9M |
| L'Anse Branch | L'Anse , MI | 49946 | $99.2M |
| Calumet Branch | Calumet , MI | 49913 | $87.7M |
| Sharon Centre Office Branch | Houghton , MI | 49931 | $67.7M |
| Troy Branch | Troy , MI | 48084 | $40.0M |
| Lake Linden Branch | Lake Linden , MI | 49945 | $12.0M |
| Econo Foods Branch | Houghton , MI | 49931 | $5.3M |
| Hancock Drive-Thru Branch | Hancock , MI | 49930 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 20, 2021 | Structure Change | Acquired Main Street Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 19, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 3, 2009 | Structure Change | Acquired Commercial National Bank of L'Anse Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in MI, rank 31 of 95 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 858 applications, 740 loans originated, $213.8M originated, across 14 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $2.3M approved, $1.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Superior National Bank
What are Superior National Bank's total assets?
As of the Q2 2026 filing, Superior National Bank reported total assets of $1.04 billion in its FFIEC call report.
Where is Superior National Bank headquartered?
It is headquartered in Hancock, MI, United States.
When was Superior National Bank founded?
It was established in 1890, per the FDIC institution directory.
Is Superior National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5058). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Superior National Bank?
Superior National Bank's primary federal regulator is the OCC.
What is Superior National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.27% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Superior National Bank operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Superior National Bank's Texas Ratio?
Its Texas Ratio is 4.80% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Superior National Bank previously called?
The charter now named Superior National Bank has also operated as Superior National Bank & Trust Company (1990-2021), per FDIC structure-change records.
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