Kalamazoo County State Bank
Schoolcraft, MI
IDRSSD: 644141
Total Assets
$124.81M
Latest filing
Total Deposits
$112.15M
Latest filing
Net Interest Margin
3.99%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Kalamazoo County State Bank
223 N Grand St
Schoolcraft, MI 49087
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1908FDIC Certificate 4018
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Kalamazoo County State Bank (Main) | 223 N Grand St | Schoolcraft, MI |
| MATTAWAN BRANCH | 55320 N Main St | Mattawan, MI |
| VICKSBURG BRANCH | 216 E Prairie St | Vicksburg, MI |
Showing 2 of 2
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Comerica Bank & Trust, National Association
Ann Arbor, Michigan
→
Assets: $122.15MΔ +1.8%
Blissfield State Bank
Blissfield, Michigan
→
Assets: $113.38MΔ -5.5%
G. W. Jones Exchange Bank
Marcellus, Michigan
→
Assets: $108.47MΔ -9.6%
Bank Michigan
Brooklyn, Michigan
→
Assets: $131.82MΔ +9.8%
Gogebic Range Bank
Ironwood, Michigan
→
Assets: $141.17MΔ +17.6%
The Miners State Bank
Iron River, Michigan
→
Assets: $141.34MΔ +17.8%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1908 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 49087 |
| State and County Number | 26077 |
| Subchapter S Corporations | No |
| Trust Powers | Limited Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Kalamazoo-Portage, MI |
Operational Info
| Number of Employees | 34 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 10/09/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.kcsbank.com |
| Data Updated | 11/14/2025 |
| CERT | 5892 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $124.81M |
| Total Deposits | $112.15M |
| Total Liabilities | $112.66M |
| Total Equity Capital | $12.15M |
| Net Income | $168.00k |
| Net Loans and Leases | $54.78M |
| Assets Per Employee ($Millions) | $3.67M |
| Bank Premises and Fixed Assets | $1.15M |
| Cash and Balances due from Depository Institutions | $15.43M |
| Deposits Held in Domestic Offices | $112.15M |
Key Performance Ratios
| Return on Assets (ROA) | 0.55% |
| Return on Equity (ROE) | 5.72% |
| Net Interest Margin | 3.99% |
| Efficiency Ratio | 81.59% |
| Tier 1 Risk-Based Capital Ratio | 20.824% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.735% |
| Earning Assets to total Assets | 93.71% |
Income and Expense
| Total Interest Income | $1.33M |
| Total Noninterest Income | $89.00k |
| Total Interest Expense | $182.00k |
| Total Noninterest Expense | $1.01M |
| Net Interest Income | $1.14M |
| Pre-tax Net Operating Income | $205.00k |
| Provision for Credit Losses | $22.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $503.00k |
| Total Liabilities and Capital | $124.81M |
Securities
| Securities | $48.25M |
| Available-for-sale debt securities | $43.11M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $5.14M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Kalamazoo County State Bank?
$124.81M as of the latest filing.
How much are Kalamazoo County State Bank's total deposits?
$112.15M in total deposits.
Where is Kalamazoo County State Bank located?
Schoolcraft, MI.
What is the Net Interest Margin?
3.99%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1908.
What is the Return on Assets (ROA)?
0.55%.
How much are total loans and leases?
$54.78M (latest filing).
What is the total interest income (latest filing)?
$1.33M.