Total Assets
$141M
Total balance-sheet footings
FDIC Cert #17232 · Sidney, Michigan · Est. 1921
Sidney State Bank - FDIC Bank Health Profile
A community-scale look at Sidney State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $141M
- Total assets
- B
- Health grade · Good
- 1.70%
- Return on assets
- 9.3%
- Tier 1 capital
Data updated July 2026
The verdict
Sidney State Bank earns a PlainBankData health grade of B (75/100), with 9.27% Tier 1 capital, profitable at 1.70% ROA, efficient (52% cost ratio).
- #3,424
- largest of 4,313 FDIC banks by assets
- 21st
- percentile by asset size, nationally
- 9.27%
- Tier 1 ratio - below the 10% well-capitalized line
- 83rd
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Sidney State Bank's 75/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Sidney State Bank's composite health score
Tier 1 Capital Ratio (9.27%) 18/40
Return on Assets (ROA) (1.70%) 25/25
Texas Ratio (0.45%) 20/20
Efficiency Ratio (52.19%) 12/15
75 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$126M
Customer-funded liabilities
Net Loans
$93M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Sidney State Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Sidney State Bank's score of 75/100 falls in the highlighted band.
Sidney State Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Sidney State Bank's $141M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.27% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.27%
Texas Ratio
0.45%
Equity Capital
$13M
Profitability metrics
Return on Assets (ROA)
83rd percentile nationally
1.70%
Return on Equity (ROE)
19.75%
Efficiency Ratio
52.19%
What the numbers say about Sidney State Bank
Sidney State Bank is an FDIC-insured institution (Certificate #17232) headquartered in Sidney, Michigan, established in 1921. It holds $141M in total assets - 3,424th of 4,313 FDIC-insured banks, $126M in customer deposits, and $93M in net loans. On safety, its Tier 1 capital ratio of 9.27% is below the 10% well-capitalized threshold, and its Texas Ratio of 0.45% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (75/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, Sidney State Bank ranks 62nd of 73 banks based in Michigan -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$8M
Interest Income
$397K
Non-Interest Income
$4M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Sidney State Bank reports a Texas Ratio of 0.45% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.45% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Michigan by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Sidney State Bank (FDIC Cert #17232) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Michigan
All Michigan banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Northpointe BankGrand Rapids | $7.0B | B | 1.39% |
| First National Bank of AmericaEast Lansing | $6.7B | A | 2.94% |
| Mercantile BankGrand Rapids | $6.2B | A | 1.61% |
| Independent BankGrand Rapids | $5.5B | B | 1.33% |
| ChoiceOne BankSparta | $4.4B | B | 0.79% |
| Macatawa Bank, National AssociationHolland | $3.7B | A | 1.39% |
| Bank of Ann ArborAnn Arbor | $3.3B | A | 1.72% |
| Isabella BankMount Pleasant | $2.2B | B | 1.02% |
Frequently asked questions
What is Sidney State Bank's health grade?▼
Sidney State Bank receives a health grade of B (75/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Sidney State Bank?▼
Sidney State Bank holds $141M in total assets and $126M in deposits, ranking 3,424th of 4,313 FDIC-insured banks by asset size. It is headquartered in Sidney, Michigan.
Is my money safe at Sidney State Bank?▼
Yes, deposits at Sidney State Bank (Certificate #17232) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Sidney State Bank's Tier 1 Capital Ratio?▼
Sidney State Bank has a Tier 1 Capital Ratio of 9.27%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for Sidney State Bank?▼
Sidney State Bank has a Texas Ratio of 0.45%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Sidney State Bank?▼
Sidney State Bank has an Efficiency Ratio of 52.19%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Sidney State Bank's profile as a depositor or analyst.
- Sidney State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Sidney State Bank against other Michigan banks before moving funds. Michigan banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.