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State Savings Bank

$100M-$1B Specialty: Commercial MI FDIC cert 8162

Frankfort, MI

9 branches across MI

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 47 in MI.
  • Deposits +5.4% year over year ($391.6M on the books).
  • Delinquency rate 0.21%.
  • Return on assets 0.35%.
  • Efficiency ratio 90.77% vs a 64.48% peer average.
  • Loan-to-deposit ratio 82.63% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 47 in MI
View $100M-$1B leaderboard (MI) →

State Savings Bank has 2 strengths but faces 3 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

  • + Deposit Franchise: Top 66.9% in tier
  • + Delinquency Rate 0.71% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 32.5% in tier
  • - Return on Assets 0.97% below tier average
  • - Efficiency Ratio 26.29% above tier average
Get updates when State Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Total Assets ? $431.2M
+5.3% YoY +6.6% QoQ
+$44.6M $386.6M
+1.2% YoY
$1.0B
+6.5% YoY
$6.3B
+7.7% YoY
65%
Total Loans ? $323.6M
+10.7% YoY +4.5% QoQ
+$65.2M $258.3M
+1.7% YoY
$767.2M
+9.2% YoY
$3.2B
+9.4% YoY
71%
Total Deposits ? $391.6M
+5.4% YoY +7.3% QoQ
+$64.9M $326.7M
+0.7% YoY
$806.0M
+5.9% YoY
$4.9B
+7.3% YoY
69%
Return on Assets ? 0.35%
+56.0% YoY -22.6% QoQ
-0.97% 1.32%
+10.8% YoY
1.18%
+20.1% YoY
1.30%
+12.1% YoY
Bottom 8.6% in tier
Net Interest Margin ? 4.80%
+4.8% YoY -0.4% QoQ
+0.81% 3.99%
+5.0% YoY
4.06%
+4.7% YoY
3.95%
+4.9% YoY
Top 12.0% in tier
Efficiency Ratio ? 90.77%
-3.1% YoY +3.8% QoQ
+26.29% 64.48%
-3.2% YoY
65.90%
-5.4% YoY
70.05%
+2.5% YoY
Bottom 5.3% in tier
Delinquency Rate ? 0.21%
-25.7% YoY -60.9% QoQ
-0.71% 0.92%
+15.7% YoY
0.85%
+32.2% YoY
0.98%
+16.3% YoY
65%
Loan-to-Deposit Ratio ? 82.63%
+5.1% YoY -2.6% QoQ
+4.67% 77.95%
+1.0% YoY
80.02%
+3.0% YoY
79.03%
+2.3% YoY
44%
Non-Interest-Bearing Deposit Share ? 32.41%
-5.4% YoY +8.8% QoQ
+10.38% 22.03%
-0.6% YoY
25.55%
-0.4% YoY
21.98%
-0.6% YoY
Top 13.5% in tier
Nonperforming Asset Ratio ? 0.16%
-21.9% YoY -61.7% QoQ
-0.51% 0.67%
+16.4% YoY
0.65%
+27.6% YoY
0.69%
+15.8% YoY
65%
Tier 1 Capital Ratio ? 8.79%
-4.4% YoY -2.5% QoQ
-7.12% 15.91%
+1.4% YoY
20.80%
-0.9% YoY
17.09%
+0.8% YoY
Bottom 0.6% in tier
Non-Interest Income / Assets ? 0.26%
+9.7% YoY +70.1% QoQ
-0.31% 0.57%
+7.6% YoY
0.38%
+3.3% YoY
0.66%
+5.2% YoY
65%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Noninterest-Bearing 32.4%
-1.9pp YoY
+2.6pp QoQ
 +10.3pp 22.1% 25.9% 22.2% 86%
Brokered Deposits n/a n/a 7.9% 12.3% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
C&I 8.5%
+0.2pp YoY
+0.5pp QoQ
 -3.1pp 11.6% 12.8% 12.5% 43%
CRE 48.2%
-0.2pp YoY
-1.9pp QoQ
 +8.6pp 39.5% 45.9% 41.4% 67%
1-4 Family 40.9%
-0.1pp YoY
+1.0pp QoQ
 +8.3pp 32.6% 33.6% 31.3% 71%
Consumer 0.3%
-0.3pp YoY
-0.2pp QoQ
 -3.8pp 4.1% 4.6% 5.0% 10%

Capital

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 26.9% 19.7% n/a
Leverage Ratio 8.8%
-0.4pp YoY
-0.2pp QoQ
 -3.4pp 12.2% 12.3% 12.6% 9%
Total Capital Ratio n/a n/a 19.9% 27.9% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Full-Time Employees 132
+9 (+7.3%) YoY
+2 (+1.5%) QoQ
 +73 58 134 482 95%
Assets per Employee ($) $3.3M
-1.9% YoY
+5.0% QoQ
 -$4.3M $7.5M $6.8M $8.8M 2%
Branch Count 9
0 YoY
0 QoQ
 +4 4 9 18 86%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
-0.3pp QoQ
 -0.3pp 0.3% 0.2% 0.4% 18%
Nonaccrual 0.2%
-0.1pp YoY
0.0pp QoQ
 -0.7pp 0.9% 0.8% 1.0% 30%
Allowance Coverage 4.12x
+32.2% YoY
+147.2% QoQ
 -20.04x 24.15x 6.79x 20.23x 66%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 17%

Profitability

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
ROE 4.0%
+1.5pp YoY
-1.1pp QoQ
 -8.2pp 12.2% 11.7% 11.6% 11%
Cost of Funds (YTD) 1.4%
0.0pp YoY
0.0pp QoQ
 -0.3pp 1.7% 1.5% 1.7% 29%
Net Income ($, YTD) $738,000
+66.6% YoY
— QoQ
 -$1.8M $2.6M $7.3M $40.4M 18%

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 (1)

Deposit Franchise

growth
#187 of 278 • Top 66.9% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 32.41%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.80%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (1)

Capital Thin

risk
#216 of 661 • Bottom 32.5% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 8.79%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

317
Net Interest Margin
profitability
Value: 4.80%
Peer Median: 3.99%
#317 of 2643 Top 12.0% in $100M-$1B
359
Non-Interest-Bearing Deposit Share
funding
Value: 32.41%
Peer Median: 22.03%
#359 of 2643 Top 13.5% in $100M-$1B

Top Weaknesses (3 metrics)

2629
Tier 1 Capital Ratio
capital
Value: 8.79%
Peer Median: 15.91%
#2629 of 2643 Bottom 0.6% in $100M-$1B
2505
Efficiency Ratio
profitability
Value: 90.77%
Peer Median: 64.48%
#2505 of 2643 Bottom 5.3% in $100M-$1B
2416
Return on Assets
profitability
Value: 0.35%
Peer Median: 1.32%
#2416 of 2643 Bottom 8.6% in $100M-$1B
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