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The Dart Bank
Mason, MI · FDIC Certificate #5033 · Chartered 05/0
Total assets
$1.47B
Total deposits
$1.27B
Total equity
$118.78M
Net loans
$1.16B
Branches (offices)
4
Net income (YTD)
$6.88M
Rank: #754 of 4,213 U.S. banks by assets · #10 of 72 in Michigan. Assets changed 7.6% and deposits 10.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.97% |
| Return on equity | 11.76% |
| Net interest margin (YTD) | 4.21% |
| Equity to assets | 8.07% |
| Tier 1 leverage ratio | 8.65% |
| Uninsured deposits (share of deposits) | 40.5% |
| Noncurrent loans (share of loans) | 1.75% |
| Net charge-offs (share of loans) | 0.07% |
| Loans to deposits | 91.0% |
| Real estate loans (share of loans) | 92.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.07B | 92.7% | |
| Commercial & industrial | $90.80M | 7.9% | |
| Consumer / individual | $4.08M | 0.4% | |
| Construction & development | $137.34M | 11.9% | |
| Agricultural | $1.15M | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $754.25M | $619.41M | $4.43M | $75.87M |
| Jun 2023 | $998.37M | $839.80M | $8.72M | $80.67M |
| Jun 2024 | $1.30B | $1.11B | $4.03M | $98.60M |
| Jun 2025 | $1.37B | $1.15B | $5.77M | $108.84M |
| Jun 2026 | $1.47B | $1.27B | $6.88M | $118.78M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Michigan | $1.27B | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.27B.
Similar-sized banks
West Gate Bank ($1.47B) · Saco & Biddeford Savings Institution ($1.47B)
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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