State Savings Bank

BankFrankfort, Michigan
www.ssbankmi.com

Total Assets

$413.2M

Total Deposits

$374.2M

Branches

9

Established

1901

TFS Health Grade

$
D

63.6 / 100

Below average financial health

How we grade

State Savings Bank is a bank headquartered in Frankfort, Michigan, established in 1901. With $413.2M in total assets and 9 branch locations, it has a TFS Financial Health Grade of D (63.6/100).

Capital & Safety

Tier 1 Capital Ratio
8.64%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.62%

Profitability

Return on Assets (ROA)
0.38%(1%)
Return on Equity (ROE)
4.35%(10%)
Net Interest Margin
4.70%
Efficiency Ratio
88.72%(60%)

Lending & Liquidity

Total Loans
$310.9M
Loan-to-Deposit Ratio
82.38%
Net Charge-Off Ratio
-0.00%

Growth

Asset Growth (YoY)
+9.60%
Deposit Growth (YoY)
+10.29%
Net Income
$1.6M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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