Sturgis Bank & Trust Company
Sturgis, MI
IDRSSD: 366078
Total Assets
$997.92M
Latest filing
Total Deposits
$892.88M
Latest filing
Net Interest Margin
3.83%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
272471632STURGIS, MI
Key People
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Locations
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Main Office
Sturgis Bank & Trust Company
113 E Chicago Rd
Sturgis, MI 49091
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1905FDIC Certificate 41427
Branches (16)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| Sturgis Bank & Trust Company (Main) | 113 E Chicago Rd | Sturgis, MI |
| CENTREVILLE BANKING CENTER | 158 W Main St | Centreville, MI |
| CLIMAX BANKING CENTER | 125 N Main St | Climax, MI |
| SOUTH HAVEN BANKING CENTER | 73881 M 43 | South Haven, MI |
| STURGIS BANKING CENTER | 1001 S Centerville Rd | Sturgis, MI |
| WHITE PIGEON BANKING CENTER | 122 W Chicago Rd | White Pigeon, MI |
| COLON BANKING CENTER | 110 S Blackstone Ave | Colon, MI |
| THREE RIVERS BANKING CENTER | 115 N Main St | Three Rivers, MI |
Showing 7 of 16
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 | 01/01/1905 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 49091 |
| State and County Number | 26149 |
| Subchapter S Corporations | No |
| Trust Powers | Full 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 | Sturgis, MI |
Operational Info
| Number of Employees | 209 |
| Domestic Offices | 17 |
| 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 | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.sturgis.bank |
| Data Updated | 01/30/2026 |
| CERT | 28593 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $997.92M |
| Total Deposits | $892.88M |
| Total Liabilities | $920.43M |
| Total Equity Capital | $77.49M |
| Net Income | $2.48M |
| Net Loans and Leases | $782.08M |
| Assets Per Employee ($Millions) | $4.92M |
| Bank Premises and Fixed Assets | $18.66M |
| Cash and Balances due from Depository Institutions | $41.40M |
| Deposits Held in Domestic Offices | $892.88M |
Key Performance Ratios
| Return on Assets (ROA) | 0.99% |
| Return on Equity (ROE) | 12.97% |
| Net Interest Margin | 3.83% |
| Efficiency Ratio | 75.46% |
| Tier 1 Risk-Based Capital Ratio | 11.608% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.11% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.765% |
| Earning Assets to total Assets | 91.88% |
Income and Expense
| Total Interest Income | $12.74M |
| Total Noninterest Income | $2.64M |
| Total Interest Expense | $3.96M |
| Total Noninterest Expense | $8.62M |
| Net Interest Income | $8.78M |
| Pre-tax Net Operating Income | $3.08M |
| Provision for Credit Losses | $-273,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $3.35M |
| Other borrowed funds | $15.68M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $11.87M |
| Total Liabilities and Capital | $997.92M |
Securities
| Securities | $103.86M |
| Available-for-sale debt securities | $84.86M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $19.01M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Sturgis Bank & Trust Company?
$997.92M as of the latest filing.
How much are Sturgis Bank & Trust Company's total deposits?
$892.88M in total deposits.
Where is Sturgis Bank & Trust Company located?
Sturgis, MI.
What is the Net Interest Margin?
3.83%.
How many domestic offices does it operate?
17.
When was it established?
01/01/1905.
What is the Return on Assets (ROA)?
0.99%.
How much are total loans and leases?
$782.08M (latest filing).
What is the total interest income (latest filing)?
$12.74M.