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Kalamazoo County State Bank

$100M-$1B Specialty: Other MI FDIC cert 5892

Schoolcraft, MI

3 branches across MI

2664 banks in the $100M-$1B peer group nationally 46 in MI
View $100M-$1B leaderboard (MI) →

Kalamazoo County State Bank has 3 strengths but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Non-Interest-Bearing Deposit Share 14.09% above tier average
  • + Net Interest Margin 0.34% above tier average
  • + Delinquency Rate 0.63% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 4.1% in tier
  • - Credit Quality Pressure: Bottom 18.3% in tier
  • - Credit Risk Growth: Bottom 19.0% in tier
  • - Deposit Outflow: Bottom 23.1% in tier
  • - Efficiency Drag: Bottom 36.0% in tier
  • - ROA 0.76% below tier average
Get updates when Kalamazoo County State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Total Assets ? $120.9M
-1.3% YoY +0.8% QoQ
-$265.2M $386.1M
+0.5% YoY
$993.6M
+8.4% YoY
$6.2B
+9.1% YoY
Bottom 6.2% in tier
Total Loans ? $58.6M
+6.0% YoY +5.5% QoQ
-$197.1M $255.7M
+1.1% YoY
$752.3M
+12.4% YoY
$3.2B
+10.8% YoY
Bottom 4.5% in tier
Total Deposits ? $108.0M
-2.6% YoY +1.3% QoQ
-$219.9M $328.0M
+0.1% YoY
$797.0M
+7.4% YoY
$4.8B
+8.2% YoY
Bottom 7.9% in tier
Return on Assets ? 0.51%
+23.4% YoY -0.6% QoQ
-0.76% 1.27%
+12.9% YoY
1.15%
+25.2% YoY
1.23%
+13.4% YoY
Bottom 13.3% in tier
Net Interest Margin ? 4.27%
+11.1% YoY +7.8% QoQ
+0.34% 3.93%
+6.0% YoY
3.99%
+5.8% YoY
3.89%
+5.7% YoY
71%
Efficiency Ratio ? 83.47%
-0.9% YoY +1.5% QoQ
+18.19% 65.29%
-4.5% YoY
66.95%
-6.2% YoY
66.95%
-4.1% YoY
Bottom 11.7% in tier
Delinquency Rate ? 0.26%
+35.7% YoY +1.5% QoQ
-0.63% 0.89%
+18.8% YoY
0.77%
+21.7% YoY
0.95%
+18.8% YoY
60%
Loan-to-Deposit Ratio ? 54.28%
+8.8% YoY +4.2% QoQ
-22.36% 76.64%
+0.8% YoY
78.66%
+4.9% YoY
76.70%
+0.9% YoY
Top 13.0% in tier
Non-Interest-Bearing Deposit Share ? 36.11%
-4.0% YoY -3.2% QoQ
+14.09% 22.02%
-1.0% YoY
24.69%
-2.1% YoY
22.01%
-1.2% YoY
Top 8.6% in tier
Nonperforming Asset Ratio ? 0.12%
+45.7% YoY +6.2% QoQ
-0.51% 0.64%
+19.7% YoY
0.58%
+27.6% YoY
0.67%
+19.3% YoY
67%
Tier 1 Capital Ratio ? 20.09%
+3.0% YoY -1.9% QoQ
+4.26% 15.83%
+1.5% YoY
20.91%
+0.5% YoY
17.06%
+0.8% YoY
Top 13.2% in tier
Non-Interest Income / Assets ? 0.10%
+47.8% YoY -65.3% QoQ
-0.18% 0.28%
+9.3% YoY
0.19%
+5.8% YoY
0.32%
+4.1% YoY
53%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (5)

Flatlined Growth

risk
#22 of 512 • Bottom 4.1% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.51%
(Tier: 1.27%, National: 1.23%)
worse than tier avg
512 of 512 Community banks match · 687 nationally
→ Stable +32 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#241 of 1308 • Bottom 18.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.26%
(Tier: 0.89%, National: 0.95%)
better than tier avg
1308 of 1308 Community banks match · 1899 nationally
→ Stable +2 banks QoQ

Credit Risk Growth

risk
#186 of 973 • Bottom 19.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally
→ Stable -10 banks QoQ

Deposit Outflow

decline
#118 of 506 • Bottom 23.1% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally
→ Stable -8 banks QoQ | QoQ rank improving

Efficiency Drag

risk
#150 of 414 • Bottom 36.0% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 83.47%
(Tier: 65.29%, National: 66.95%)
worse than tier avg
414 of 414 Community banks match · 492 nationally
→ Stable | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

231
Non-Interest-Bearing Deposit Share
funding
Value: 36.11%
Peer Median: 22.02%
#231 of 2664 Top 8.6% in $100M-$1B
348
Loan-to-Deposit Ratio
liquidity
Value: 54.28%
Peer Median: 76.64%
#348 of 2664 Top 13.0% in $100M-$1B
353
Tier 1 Capital Ratio
capital
Value: 20.09%
Peer Median: 15.83%
#353 of 2664 Top 13.2% in $100M-$1B

Top Weaknesses (5 metrics)

2544
Total Loans
size
Value: $58.65M
Peer Median: $255.72M
#2544 of 2664 Bottom 4.5% in $100M-$1B
2501
Total Assets
size
Value: $120.87M
Peer Median: $386.08M
#2501 of 2664 Bottom 6.2% in $100M-$1B
2455
Total Deposits
size
Value: $108.04M
Peer Median: $327.97M
#2455 of 2664 Bottom 7.9% in $100M-$1B
2354
Efficiency Ratio
profitability
Value: 83.47%
Peer Median: 65.29%
#2354 of 2664 Bottom 11.7% in $100M-$1B
2310
Return on Assets
profitability
Value: 0.51%
Peer Median: 1.27%
#2310 of 2664 Bottom 13.3% in $100M-$1B
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