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Kalamazoo County State Bank
Schoolcraft, MI · FDIC Certificate #5892 · Chartered 01/0
Total assets
$118.44M
Total deposits
$105.32M
Total equity
$12.63M
Net loans
$60.74M
Branches (offices)
3
Net income (YTD)
$324.00K
Rank: #3,542 of 4,213 U.S. banks by assets · #63 of 72 in Michigan. Assets changed -1.3% and deposits -2.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.54% |
| Return on equity | 5.21% |
| Net interest margin (YTD) | 4.42% |
| Equity to assets | 10.66% |
| Tier 1 leverage ratio | 12.08% |
| Uninsured deposits (share of deposits) | 16.1% |
| Noncurrent loans (share of loans) | 0.33% |
| Net charge-offs (share of loans) | 0.08% |
| Loans to deposits | 57.7% |
| Real estate loans (share of loans) | 77.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $46.91M | 77.2% | |
| Commercial & industrial | $4.58M | 7.5% | |
| Consumer / individual | $9.60M | 15.8% | |
| Construction & development | $6.27M | 10.3% | |
| Agricultural | $106.00K | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $127.61M | $119.05M | $247.00K | $8.42M |
| Jun 2023 | $124.74M | $110.20M | $309.00K | $8.03M |
| Jun 2024 | $119.45M | $109.46M | $215.00K | $9.55M |
| Jun 2025 | $120.04M | $108.14M | $274.00K | $11.36M |
| Jun 2026 | $118.44M | $105.32M | $324.00K | $12.63M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Michigan | $105.32M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $105.32M.
Similar-sized banks
Countryside Bank ($118.53M) · The Granville National Bank ($118.35M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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