🏦Bank Scorer

SIDNEY STATE BANK

SIDNEY, MI · Supervised by FDIC

Est. 1921FDIC #17,232RSSD: FDIC-17232
Part ofSIDNEY BCORP→ View all charters
Satisfactory Down

Current rating · Exam: January 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.94%

Institution Profile

FDIC BankFind

Address

3016 W Sidney Rd, SIDNEY, MI

County

Montcalm County

Established

October 10, 1921

Total Assets

$143M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 1, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jan 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$143M

Total Deposits

$128M

Net Loans

$94M

Net Income

$687K

ROA

1.94%

ROE

20.73%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate2.82%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$132M

1-Year Change

0

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20247184.51%2.82%
20236973.91%8.70%
202213287.88%3.79%
202112187.6%7.44%
20209091.11%4.44%
20198786.21%4.60%
201811682.76%11.21%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

8 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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