Sidney State Bank
Sidney, MI
IDRSSD: 648345
Total Assets
$144.29M
Latest filing
Total Deposits
$129.10M
Latest filing
Net Interest Margin
4.76%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Sidney State Bank
3016 W Sidney Rd
Sidney, MI 48885
Full Service - Brick and Mortar
Updated 11/14/2025Established 10/10/1921FDIC Certificate 11259
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Sidney State Bank (Main) | 3016 W Sidney Rd | Sidney, MI |
| SHERIDAN OFFICE | 201 S Main St | Sheridan, MI |
| STANTON OFFICE BRANCH | 401 N. State Street | Stanton, MI |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 10/10/1921 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 48885 |
| State and County Number | 26117 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| 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 | Grand Rapids-Kentwood, MI |
Operational Info
| Number of Employees | 25 |
| 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 | 06/15/1953 |
| Primary Insurance Agency | DIF |
| Website | www.sidneybank.com |
| Data Updated | 11/14/2025 |
| CERT | 17232 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $144.29M |
| Total Deposits | $129.10M |
| Total Liabilities | $131.27M |
| Total Equity Capital | $13.02M |
| Net Income | $670.00k |
| Net Loans and Leases | $93.34M |
| Assets Per Employee ($Millions) | $5.77M |
| Bank Premises and Fixed Assets | $1.20M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $129.10M |
Key Performance Ratios
| Return on Assets (ROA) | 1.84% |
| Return on Equity (ROE) | 21.12% |
| Net Interest Margin | 4.76% |
| Efficiency Ratio | 48.79% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.1% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.025% |
| Earning Assets to total Assets | 96.81% |
Income and Expense
| Total Interest Income | $2.14M |
| Total Noninterest Income | $103.00k |
| Total Interest Expense | $462.00k |
| Total Noninterest Expense | $869.00k |
| Net Interest Income | $1.68M |
| Pre-tax Net Operating Income | $876.00k |
| Provision for Credit Losses | $36.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $113.00k |
| Other borrowed funds | $1.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.17M |
| Total Liabilities and Capital | $144.29M |
Securities
| Securities | $34.66M |
| Available-for-sale debt securities | $27.07M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $7.59M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Sidney State Bank?
$144.29M as of the latest filing.
How much are Sidney State Bank's total deposits?
$129.10M in total deposits.
Where is Sidney State Bank located?
Sidney, MI.
What is the Net Interest Margin?
4.76%.
How many domestic offices does it operate?
3.
When was it established?
10/10/1921.
What is the Return on Assets (ROA)?
1.84%.
How much are total loans and leases?
$93.34M (latest filing).
What is the total interest income (latest filing)?
$2.14M.