Sturgis Bank & Trust Company
Total assets
$1.03B
▲ +4.5% YoY
Deposits
$893.0M
▲ +1.2% YoY
Loans
$760.4M
▼ -2.7% YoY
Offices
17
STURGIS BCORP INC
ROA (annualized)
1.03%
peers 1.26%
ROE (annualized)
12.99%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +5.5% | -0.9 pts |
| Deposit growth (YoY) | +1.2% | +5.1% | -3.9 pts |
| Loan growth (YoY) | -2.7% | +5.9% | -8.6 pts |
| ROA | 1.03% | 1.26% | -0.2 pts |
| ROE | 13.0% | 12.2% | +0.8 pts |
ROA ranks in the 32nd percentile of its peer group · Q2 2026
Profile
- Established
- 1905
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- STURGIS BCORP INC
- Specialization
- Commercial Lending Specialization
- Address
- 113 E Chicago Rd, Sturgis, MI, 49091
- County
- St. Joseph
- Metro area
- Sturgis, MI
- Offices
- 17
- FDIC cert #
- 28593
- RSSD ID
- 366078
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.03B | $893.0M | $760.4M | $83.8M | $5.2M | 1.03% | 3.86% | 1.08% |
| Q1 2026 | $1.01B | $908.4M | $789.7M | $78.8M | $2.3M | 0.90% | 3.85% | 1.09% |
| Q4 2025 | $997.9M | $892.9M | $784.5M | $77.5M | $9.0M | 0.92% | 3.74% | 1.13% |
| Q3 2025 | $998.3M | $894.9M | $787.0M | $75.3M | $6.5M | 0.89% | 3.70% | 1.10% |
| Q2 2025 | $984.2M | $882.5M | $781.5M | $72.6M | $3.9M | 0.81% | 3.67% | 0.62% |
| Q1 2025 | $958.4M | $842.5M | $766.5M | $71.5M | $1.8M | 0.77% | 3.62% | 0.64% |
| Q4 2024 | $955.6M | $813.9M | $772.1M | $69.6M | $4.3M | 0.46% | 3.37% | 0.68% |
| Q3 2024 | $947.4M | $809.2M | $756.3M | $69.7M | $1.9M | 0.28% | 3.33% | 0.67% |
Loan mix (Q2 2026): real estate $708.7M · commercial $36.0M · consumer $14.6M · securities $130.4M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.03% | 1.26% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 13.0% | 12.2% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.70% | 59th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.5% | 59.0% | 85th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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