SUPERIOR NATIONAL BANK

HANCOCK, MI · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1890FDIC #5,058

Satisfactory Same

Current rating · Exam: September 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.08%

Institution Profile

FDIC BankFind

Website

www.snb-t.com

Address

235 Quincy St, HANCOCK, MI

County

Houghton County

Established

March 6, 1890

Total Assets

$1.1B(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

September 8, 2025

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Sep 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.1B

Total Deposits

$887M

Net Loans

$652M

Net Income

$3M

ROA

1.08%

Above avg for Community banks. Peer avg: 0.90%

ROE

9.61%

Risk-Based Capital

18.75%

Above avg for Community banks. Regulatory min: 8%

Peer Comparison

Community banks

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

ROA1.08%Peer avg: 0.90%▲ Above avg

Risk-Based Capital18.75%Peer avg: 12.91%▲ Above avg

Mortgage Denial Rate3.13%Peer avg: 9.91%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$842M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2023	830	84.22%	3.13%
2022	1,306	84.07%	3.29%
2021	2,382	87.32%	4.58%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Sep 2025	Satisfactory	Intermediate Small Bank
Nov 2021	Satisfactory	Intermediate Small Bank
Oct 2018	Satisfactory	Intermediate Small Bank

5 previous ratings locked — back to 1994

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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