Is Sidney State Bank Safe?
Sidney State Bank has a Bank Health Score of 92/100 (A), based on FDIC call report data. Its strongest factor is loan quality (97/100), while profitability is its weakest area (80/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 14.17% | 94/100 |
| Nonperforming Loan Ratio | 0.13% | 97/100 |
| Liquidity Ratio | 26.66% | 87/100 |
| Return on Assets | 1.49% | 80/100 |
| Total Assets | $0.1B | |
How does Sidney State Bank compare?
With a Bank Health Score of 92/100, Sidney State Bank sits 22.0 points above the national average of 70/100 for FDIC-insured banks. Within Michigan, where 69 FDIC-insured banks are headquartered, Sidney State Bank ranks above the state average of 73/100 (Grade B).
The bank's Tier 1 capital ratio of 14.17% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.13% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Sidney State Bank's Bank Health Score improved by 2.0 points to 92/100. Tier 1 capital weakened by 0.14 percentage points to 14.17%. Quarter-over-quarter, the score fell by 2.0 points.
Sidney State Bank has a Bank Health Score of 92/100 (A), based on FDIC call report data. Its strongest factor is loan quality (97/100), while profitability is its weakest area (80/100).