The State Bank
Fenton, MI
IDRSSD: 602048
Total Assets
$1.81B
Latest filing
Total Deposits
$1.47B
Latest filing
Net Interest Margin
3.02%
Profitability
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 | 01/01/1898 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 48430 |
| State and County Number | 26049 |
| Subchapter S Corporations | No |
| Trust Powers | Limited Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institution closed or not insured by FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Flint, MI |
Operational Info
| Number of Employees | 225 |
| Domestic Offices | 21 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 03/15/2025 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | N/A |
| Data Updated | 11/28/2025 |
| CERT | 11406 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.81B |
| Total Deposits | $1.47B |
| Total Liabilities | $1.64B |
| Total Equity Capital | $166.62M |
| Net Income | $4.72M |
| Net Loans and Leases | $1.42B |
| Assets Per Employee ($Millions) | $8.03M |
| Bank Premises and Fixed Assets | $13.72M |
| Cash and Balances due from Depository Institutions | $214.01M |
| Deposits Held in Domestic Offices | $1.47B |
Key Performance Ratios
| Return on Assets (ROA) | 1.04% |
| Return on Equity (ROE) | 11.41% |
| Net Interest Margin | 3.02% |
| Efficiency Ratio | 62.08% |
| Tier 1 Risk-Based Capital Ratio | 12.085% |
| 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 | 9.222% |
| Earning Assets to total Assets | 94.09% |
Income and Expense
| Total Interest Income | $22.51M |
| Total Noninterest Income | $2.17M |
| Total Interest Expense | $9.73M |
| Total Noninterest Expense | $9.32M |
| Net Interest Income | $12.78M |
| Pre-tax Net Operating Income | $5.93M |
| Provision for Credit Losses | $-302,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $293.00k |
| Other borrowed funds | $160.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $10.46M |
| Total Liabilities and Capital | $1.81B |
Securities
| Securities | $91.37M |
| Available-for-sale debt securities | $89.95M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $535.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The State Bank?
$1.81B as of the latest filing.
How much are The State Bank's total deposits?
$1.47B in total deposits.
Where is The State Bank located?
Fenton, MI.
What is the Net Interest Margin?
3.02%.
How many domestic offices does it operate?
21.
When was it established?
01/01/1898.
What is the Return on Assets (ROA)?
1.04%.
How much are total loans and leases?
$1.42B (latest filing).
What is the total interest income (latest filing)?
$22.51M.