# SIDNEY STATE BANK
SIDNEY, MI · FDIC certificate 17232 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $138.7M | |
| Deposits | $123.1M | |
| Loans and leases | $92.4M | |
| Total equity | $13.5M | |
| Loans / deposits | 73.84% (p50 of band) | 73.59% |
| Liquid assets / assets | 32.56% (p50 of band) | |
| Uninsured deposits / deposits | 18.12% (p44 of band) | 19.81% |
| Brokered deposits | 0.25% | |
| Wholesale funding | 0.97% (p53 of band) | |
| FHLB advances / assets | 0.72% | |
| Tier 1 leverage | 9.65% (p19 of band) | 11.76% |
| Unrealized securities loss / equity | -6.30% (p52 of band) | -6.57% |
| AOCI / equity | -2.11% (p11 of band) | |
| ROA (annualized) | 1.93% (p84 of band) | 1.17% |
| Net interest margin | 5.10% (p92 of band) | 3.93% |
| Efficiency ratio | 50.72% (p15 of band) | |
| Noncurrent loans | 0.06% (p31 of band) | 0.36% |
| Net charge-offs (annualized) | -0.01% (p12 of band) | |
| Reserve coverage of noncurrent | 2810.91% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 18.09% (p51 of band) | |
| Auto loans | $2.6M (2.78% of loans; DQ 1.01%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -6.8% | |
| Employees | 25 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 1 |  | charge-offs p90 |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 3 | assets shrinking, uninsured deposits leaving | capital falling |
| 2012-12 | 1 |  | assets shrinking, uninsured deposits leaving |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | charge-offs p90 |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 3 | capital falling |  |
| 2014-06 | 2 |  | capital falling |
| 2014-09 | 2 |  |  |
| 2014-12 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2015-03 | 4 | capital falling | charge-offs p90 |
| 2015-06 | 3 | loans exceed deposits | deposits shrinking, capital falling |
| 2015-09 | 3 |  |  |
| 2015-12 | 1 |  | uninsured deposits leaving, loans exceed deposits |
| 2016-03 | 3 | capital falling, charge-offs p90 |  |
| 2016-06 | 2 |  | charge-offs p90 |
| 2016-09 | 1 |  | capital falling |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | capital falling |  |
| 2017-06 | 1 |  | reserve under noncurrent |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 2 | loans exceed deposits |  |
| 2018-09 | 1 |  | capital falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 | capital falling | loans exceed deposits |
| 2019-06 | 4 | loans exceed deposits, charge-offs p90, reserve under noncurrent |  |
| 2019-09 | 0 |  | capital falling, loans exceed deposits, charge-offs p90, reserve under noncurrent |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | capital falling, charge-offs p90 |  |
| 2020-06 | 0 |  | capital falling, charge-offs p90 |
| 2020-09 | 0 |  |  |
| 2020-12 | 1 | capital falling |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 1 | securities losses >30% of equity |  |
| 2022-12 | 0 |  | securities losses >30% of equity |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | capital falling |  |
| 2024-06 | 0 |  | capital falling |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2022-01-21 [Sidney State Bank announces new roles for 5 employees - thedailynews.cc](https://news.google.com/rss/articles/CBMilgFBVV95cUxQdEVOVldzTWxFNUJEV04zR1o4ZXRYbUpuQUthM3ZoVlVpNTRIRTlZYlBBN0dhZmxSbmtHazg4d2Itd0UyWnEyaExua1hGODF6ZWwwdi1Ga2w3OTdwME8tNzdvSGhOdFJyMG5ya3NhMDMyRUpWRW9zenl6TzkyODlFbVMtMnp2bE13STdBeGh0a0FuMUN4N1E?oc=5) · thedailynews.cc
- 2022-09-24 [Sidney State Bank supports MCC campaign - thedailynews.cc](https://news.google.com/rss/articles/CBMigwFBVV95cUxNZnhlLXRwZVpnXzlWdGZnYmhNWUIwVGFyeWxUeFljVVpwVkxVaXBHdUJaZERGdmdlbzgxSHJlQWQ2UmJ4VFNSWThJMjhScWJrZjBkUXBUYWcwMjNhUllVaER2VmpTNmc3UFk0VnZYLThFWFJjVWhfY1dOZHNFc1ZVRXlQTQ?oc=5) · thedailynews.cc
- 2022-11-17 [Toys for Tots | Here's where you can drop off toys in West Michigan - WZZM13.com](https://news.google.com/rss/articles/CBMi3wFBVV95cUxNWUM3SjdLdHZwY29NcGZPV1hHanlNR1pZaDlpRk9Fa3J6UENwX1VueGYzandBMmtkVnpXclV6R1ZNTlQ5UE80bEVDN1lteGN2VkpGeHdtbWtfTTVGVHRfc3pzYml0Y1FvRTA1Y3VMbWgza1cxajc3a0ViZWxJU29zTF9SNHgydDhoTDN6SEtxazJZSjBQNDRrdmlteEVpWXBnbUt6RFpjMTcxblREZVBqbVR4Nk1mZG0yQmZ0ZWd0dkkzRzZyME9ocmNmb0N5d1VXYXV2UlZHbEFucGE4Z3lZ?oc=5) · WZZM13.com
- 2025-11-17 [Here's where you can drop off your donations for the 2025 Toys for Tots campaign in West Michigan - WZZM13.com](https://news.google.com/rss/articles/CBMi2gFBVV95cUxPaDVJVTkySHFzNmM4S0haQTZjSEtoZEZCa3Y4QVdtcmRMV1pLWlZWa3U3aDhZMndVSExrY3dvR0pyWHZuT3NFdWFNekFjU3UxZ08zWW5KSG83el95UzFFZEdqWnR0TzBvMDIxeTFaMnJNOTd3d0EwbzRRbndhQXE0NnRjTXlaY2RYS195UlAtWTlublZpY3pGQWhyWEtWSU5Tckl3RklzRmdYTTgzS3F1NUdFdEFEc2xfelA4TXVKVFJ4aEQxYXNmeGZsaXJoQ1Q1R1BkSlR2VHhYQQ?oc=5) · WZZM13.com
- 2020-08-07 [Energy company looking at potential 50,000 acre wind farm project in 11 Montcalm County townships - thedailynews.cc](https://news.google.com/rss/articles/CBMizwFBVV95cUxQcE9rZUlTWkUyT2tLSzI1UFlnNWlyeVJoUFRXQTB6SXYzZjhyMldKT0d0RDVTOUhOM0NkRlBuM0dzT0N4T3RtSjQ2bFRCSmtHZEJNM1haUW1kR2xxdDU3UFktdXpMRjBPeE43ZUFiazJVNHZwTHdoVFRTS014cGFnWFdwb0tjb205aWJIczUxMUlRQTlEajVuRFVJSXg5VE43RjZvVEN3YWd2STZ2ZGNBdWVtcmdncGRHcFg2YXV2LTdiYjJMb0FRWjUzY3ByRWM?oc=5) · thedailynews.cc
- 2024-11-13 [Here's where you can drop off your donations for the 2024 Toys for Tots campaign in West Michigan - WZZM13.com](https://news.google.com/rss/articles/CBMi8AFBVV95cUxQZFVOSWJRVFFseWdVeERVMGQ3WjJ5ZC0tUk5UX1c0SWNYWko1TWVuNno2NjBYakphRC1LX3U2d09mR1RuVWxqWFNrdzk0RmozeE91MU1sSUxyeWhqdkpLTXJyLTlfakx0dF9SbEJJRTdnUE1MeDBETC03VVdfVld1NWdjZWZ3N0V1RXg1Mjd6VEtxZFBJbEtzLUFnd1Z0eVFxUnNxU2JQeVl3Y1RNTDZxLUxndGRfZEhaQzlkRERXYnVSbkNRekROY2kxRG9vN21VTTRPNWp0d2pXNFhQNUo0RXp1M3g3SnQxQmo3XzZFNmQ?oc=5) · WZZM13.com
- 2017-05-31 [2 local Chemical Bank branches are closing - thedailynews.cc](https://news.google.com/rss/articles/CBMihwFBVV95cUxPZlc5QV9wejR2NXRIUGw1UmUtdnVWR0hpWUNjMHR1T2hvNmdnS05GcTltcXpkc2EydWh0QnRJbHN3NENWSXBJX2NKMjVGUkNVRVhFMFhPcHgxUll0OHo3ak5XX3BSaWtJWkUzVXhfMHdmWVR5RDdYZk1SRzY5Q3BTaV9QaG5FTnc?oc=5) · thedailynews.cc
- 2017-07-25 [‘No easy solution’ - thedailynews.cc](https://news.google.com/rss/articles/CBMiZEFVX3lxTFBKMmhaVnhackx1NGVpZE1OTWV0bTlydkZfbElURHZ5dzlnYkdTTDcwR0s5TmkyTmNSd3hMa0NVRnVYMWZjTF9MRXlIcHZ3QlRsSlFnOWJTbEFYYjY2TlN6T0RSOTg?oc=5) · thedailynews.cc

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17232 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/16.json (key "17232", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide