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The State Savings Bank Of Manistique
Manistique, MI · FDIC Certificate #13249 · Chartered 07/0
Total assets
$178.21M
Total deposits
$154.06M
Total equity
$14.37M
Net loans
$92.17M
Branches (offices)
3
Net income (YTD)
$699.00K
Rank: #3,123 of 4,213 U.S. banks by assets · #56 of 72 in Michigan. Assets changed 7.5% and deposits 11.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.77% |
| Return on equity | 9.93% |
| Net interest margin (YTD) | 3.25% |
| Equity to assets | 8.06% |
| Tier 1 leverage ratio | 9.64% |
| Uninsured deposits (share of deposits) | 21.7% |
| Noncurrent loans (share of loans) | 0.70% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 59.8% |
| Real estate loans (share of loans) | 83.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $76.72M | 83.2% | |
| Commercial & industrial | $9.10M | 9.9% | |
| Consumer / individual | $6.63M | 7.2% | |
| Construction & development | $3.92M | 4.3% | |
| Agricultural | $50.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $157.77M | $140.08M | $534.00K | $10.05M |
| Jun 2023 | $157.48M | $136.21M | $450.00K | $8.73M |
| Jun 2024 | $166.47M | $140.94M | $422.00K | $10.41M |
| Jun 2025 | $165.78M | $138.37M | $641.00K | $12.89M |
| Jun 2026 | $178.21M | $154.06M | $699.00K | $14.37M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Michigan | $154.06M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $154.06M.
Similar-sized banks
North Alabama Bank ($178.61M) · Bank Of Clarkson ($178.19M)
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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