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Sidney State Bank
Sidney, MI · FDIC Certificate #17232 · Chartered 10/1
Total assets
$138.70M
Total deposits
$123.08M
Total equity
$13.52M
Net loans
$90.89M
Branches (offices)
3
Net income (YTD)
$1.36M
Rank: #3,390 of 4,213 U.S. banks by assets · #60 of 72 in Michigan. Assets changed -5.3% and deposits -6.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.93% |
| Return on equity | 20.41% |
| Net interest margin (YTD) | 5.10% |
| Equity to assets | 9.75% |
| Tier 1 leverage ratio | 9.65% |
| Uninsured deposits (share of deposits) | 18.1% |
| Noncurrent loans (share of loans) | 0.06% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 73.8% |
| Real estate loans (share of loans) | 88.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $79.97M | 88.0% | |
| Commercial & industrial | $6.10M | 6.7% | |
| Consumer / individual | $4.47M | 4.9% | |
| Construction & development | $2.44M | 2.7% | |
| Agricultural | $1.59M | 1.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $120.03M | $110.05M | $582.00K | $8.37M |
| Jun 2023 | $123.10M | $112.06M | $617.00K | $9.17M |
| Jun 2024 | $128.01M | $115.75M | $760.00K | $10.32M |
| Jun 2025 | $146.51M | $132.13M | $1.09M | $12.36M |
| Jun 2026 | $138.70M | $123.08M | $1.36M | $13.52M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Michigan | $123.08M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $123.08M.
Similar-sized banks
Abbeville First Bank, SSB ($138.79M) · Elk State Bank ($138.69M)
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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