FDIC Cert #5058 · Hancock, Michigan · Est. 1890

Superior National Bank - FDIC Bank Health Profile

A community-scale look at Superior National Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$1.0B
Total assets
A
Health grade · Excellent
1.05%
Return on assets
17.5%
Tier 1 capital

Data updated July 2026

The verdict

Superior National Bank earns a PlainBankData health grade of A (84/100), with well-capitalized at 17.52% Tier 1, profitable at 1.05% ROA, 71% efficiency ratio.

#1,011
largest of 4,313 FDIC banks by assets
77th
percentile by asset size, nationally
17.52%
Tier 1 ratio - above the 10% well-capitalized line
47th
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.

FDIC Call Report plate

Cert 5058 · MI A · 84/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-REGIONAL · BOOK-FULL

  • GRADE-A A (84/100)
  • MID-PACK #1424/4307
  • PHOTO-FINISH The Citizens Nationa… · MS
  • TIER1-WELL 17.5% Tier 1
  • TEXAS-CLEAN 2.6% Texas
  • ROA-PAR 1.05% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Michigan: The Citizens National Bank of Meridian, MS (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Superior National Bank

Lowest and highest poles plus nearest scored peers outside Michigan, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100First Bank of Thomas · OK ·…84/100LNB Community Bank · IN · ne…84/100Superior National Bank · MI …84/100The Citizens Nationa… · MS ·…84/100The First National B… · OK ·…84/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Superior National Bank · July 2026

Call Report read for Superior National Bank in a high-failure state

Superior National Bank (FDIC Cert #5058) carries a PlainBankData health grade of A at 84/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,424 of 4,307. Tier 1 capital prints at 17.52%, clearing the 10% well-capitalized line. The Texas Ratio is 2.56%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.05%. Balance-sheet scale is $1.0B, 1,011th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Citizens National Bank of Meridian (MS), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Superior National Bank

14 FAILURE resolutions in Michigan since 2000, heavy vs the state corpus

Superior National Bank sits in one of the heavier post-2000 FAILURE states (14 resolutions; latest year 2012). The list below is state history from the Failed Bank List, not a claim about Superior National Bank's current Call Report.

  • FIDELITY BANK DEARBORN, MI 2012 → THE HUNTINGTON NATIONAL BANK
  • COMMUNITY CENTRAL BANK MOUNT CLEMENS, MI 2011 → TALMER BANK AND TRUST
  • PEOPLES STATE BANK HAMTRAMCK, MI 2011 → FIRST MICHIGAN BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Michigan banks.

How Superior National Bank's 84/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10084/100
Superior National Bank's composite health score
Tier 1 Capital Ratio (17.52%) 40/40
Return on Assets (ROA) (1.05%) 20/25
Texas Ratio (2.56%) 20/20
Efficiency Ratio (71.04%) 4/15

84 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.0B

Total balance-sheet footings

Total Deposits

$867M

Customer-funded liabilities

Net Loans

$651M

Outstanding loan book

Net Income

$11M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 16.12% 17.52% 18.92%
Basel III capital ratios - Superior National Bank

Where Superior National Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Superior National Bank's score of 84/100 falls in the highlighted band.

Superior National Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

84 Top 33% higher than 67% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Superior National Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Superior National 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). Superior National Bank's $1.0B falls in the highlighted band.

Capital & credit buffers at Superior National Bank

Tier 1 capital ratio
Well-capitalized 10%

17.52% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
17.52%
Texas Ratio
2.56%
Equity Capital
$117M

What these ratios mean →

Earnings posture at Superior National Bank

Return on Assets (ROA)
47th percentile nationally
1.05%
Return on Equity (ROE)
9.82%
Efficiency Ratio
71.04%

What these mean →

Income & expense at Superior National Bank

$51M
Interest Income
$11M
Non-Interest Income
$33M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Superior National Bank reports a Texas Ratio of 2.56% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.56% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Superior National Bank on FDIC BankFind →

Top banks in Michigan by total assets

Largest banks headquartered in Michigan
  1. 1
    Northpointe Bank $7.0B

    Grand Rapids, MI · Grade B

  2. 2
    First National Bank of America $6.7B

    East Lansing, MI · Grade A

  3. 3
    Mercantile Bank $6.2B

    Grand Rapids, MI · Grade A

  4. 4
    Independent Bank $5.5B

    Grand Rapids, MI · Grade B

  5. 5
    ChoiceOne Bank $4.4B

    Sparta, MI · Grade B

Top 5 banks in Michigan ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.0B here), outside Michigan so the neighborhood is not state containment.

Great Midwest Bank, S.S.B. $1.0B · WI The Port Washington State Bank $1.0B · WI Seattle Bank $1.0B · WA Bank of the James $1.0B · VA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Superior National Bank (FDIC Cert #5058) - 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.

Superior National Bank Call Report profile · FDIC Failed Bank List · Michigan FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Michigan

All Michigan banks →
BankAssetsGradeROA
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%