# SUPERIOR NATIONAL BANK
HANCOCK, MI · FDIC certificate 5058 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $1.04B | |
| Deposits | $881.5M | |
| Loans and leases | $679.2M | |
| Total equity | $120.4M | |
| Loans / deposits | 76.13% (p26 of band) | 87.10% |
| Liquid assets / assets | 29.35% (p75 of band) | |
| Uninsured deposits / deposits | 26.09% (p33 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.88% (p34 of band) | |
| FHLB advances / assets | 2.88% | |
| Tier 1 leverage | 11.70% (p73 of band) | 10.50% |
| Unrealized securities loss / equity | -22.63% (p16 of band) | -7.75% |
| AOCI / equity | -0.39% (p44 of band) | |
| ROA (annualized) | 1.17% (p43 of band) | 1.26% |
| Net interest margin | 3.81% (p56 of band) | 3.70% |
| Efficiency ratio | 67.21% (p73 of band) | |
| Noncurrent loans | 0.65% (p60 of band) | 0.51% |
| Net charge-offs (annualized) | 0.02% (p51 of band) | |
| Reserve coverage of noncurrent | 184.35% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 38.70% (p41 of band) | |
| Auto loans | $27.0M (3.97% of loans; DQ 0.47%, NCO 0.03%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 4.7% | |
| Employees | 189 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 1 |  | capital falling |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | noncurrent p90 |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 1 |  | noncurrent p90 |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 3 | noncurrent p90, charge-offs p90 |  |
| 2014-09 | 2 |  | noncurrent p90 |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 1 | charge-offs p90 | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | charge-offs p90 |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | uninsured deposits leaving |  |
| 2018-06 | 0 |  | uninsured deposits leaving |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | AOCI drag >20% of equity |  |
| 2022-06 | 2 | securities losses >30% of equity |  |
| 2022-09 | 3 | assets shrinking |  |
| 2022-12 | 3 | deposits shrinking | assets shrinking |
| 2023-03 | 1 |  | AOCI drag >20% of equity, deposits shrinking |
| 2023-06 | 2 | uninsured deposits leaving |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | deposits shrinking |  |
| 2024-06 | 1 |  | uninsured deposits leaving, deposits shrinking |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | securities losses >30% of equity |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 0 |  |  |

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

- 2026-06-24 [Superior National, Range banks agree to merger - Upper Michigan's Source](https://news.google.com/rss/articles/CBMilgFBVV95cUxQYWlyQXhkRlNSMi1mbjdGbXBJaDdSSEhvaXBIYXVlVWRqT05hb0FISS1vV1M0UzhiZWgzVkNIQnhDT05Mc1AxbHpJZXVwQjNOc2NJazlBckFZbUJ5NEdfLW1CXy16YV9mY1FkNkdSOS1NQmlHWmVlMUhmaEJHMXNsbkhDdWV2elhXbXZ2aWxRUnY3MThkMnfSAaoBQVVfeXFMTjBSZlNlYzBaTVRjWWdqSUQyTWtiOUhDOXBGdDdYd0hqZ04zb01rdjk0SDZ1enVnTGp6MTJDNHBKbC1CZXFiTFJuMm1oM05SNWNaUW45Slk5aksyUHhWcXdlVUgwT2lMVklGeVFYak0yUEJvQ1lJNDhDelljVGEwRy1QblFmQnJFU0FhYWlYMzBDc1hPcHU2RVJhX2hrMGxXMnRocmJLVXZobGc?oc=5) · Upper Michigan's Source
- 2026-06-24 [Keweenaw Financial Corp. and Range Financial Corp. Announce Merger that Will Combine Superior National Bank and Range Bank - PR Newswire](https://news.google.com/rss/articles/CBMihwJBVV95cUxPbzVHUUpiaVpKdUFNdm5sLUJXMkY5bDBtMTBLMFhkQS05R20xWUJuNThGWTZOZTdCWHNxNFAzNEZxQTljM1FuWEFLenFoVU90Zjlab0tuU3lKcE1hNzFIQjVDUG5EMFdrR01LVjF5ZElFang3ZDJuMlh3NmZTYVg0cnh1THhCUldKZU1BSk5qcUhMNlhxMGdrQU9UaE9sYkxOb1c0N3lOd3RRLWlMU1ZJanFaMUtDclZXazk3dE1XVFl5alRNemNVSUQ3dVNUUURidFlJcXJmNzdGTFBROUtuWkgzZjRrOGJGTXlMb1pqd1doeDU0RHZXTVJfb3JfSnZROTN3aEo1VQ?oc=5) · PR Newswire
- 2026-06-24 [Banks strike deals in Michigan, Wisconsin - Banking Dive](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNSnV3VzBDVWR3eWJSVUg4cEhwVEtMZmlTV0JHMFVsUUpPQkRrS19MM0o0NlBqRHI3NXVMeWgzT01Id3dkZ2dVdDFSYS1ERThNSGVhSG5sRzYySXNKWk9rbkVYZl9CbF9QREprTFJiQkFHVXlBVXpiSFN3ZlZyanBQbnJpYVdCeldJ?oc=5) · Banking Dive
- 2026-06-24 [Major Merger - The Mining Gazette](https://news.google.com/rss/articles/CBMidkFVX3lxTE8tY3U4V0tiQ29SaFBlTW81ZjZoamVIbHJJZmJ2b005UEFJTEhPdHRDcWN4NE1icXYwNHNfbEhBa3hjblRaQVZ0MUhGc1ZLdUNtRVRIX3BJR09DbEdmczR3d1RTNjNKWldZZTVYX3RXeGJRRzZ0Nnc?oc=5) · The Mining Gazette
- 2026-06-25 [Keweenaw Financial And Range Financial Announce Merger To Form Superior Range Bank - Pulse 2.0](https://news.google.com/rss/articles/CBMipAFBVV95cUxNUlNvUkRKaUY1VXJBYmFzOUs3RDRIeURNUEtxSlpOeEtSMm5rX0pRSW9iNmhPRVhuNVpZNmlGUXRnRHJYZk1CVnRaOEM1RmRwNDVhU2lMM0ZPeERoWEVGOEc4ZGF5VU96U2U0WlRiRDlNQkV2SXRPTS0zOXNXTTJwOUFWR1dLME1WZzEwNW9BbGFITlBMTU90c0xvaFVaOXJqbkgtVNIBqgFBVV95cUxQRVR0b0R2RjhhSFZKaGQ4X0N0YlVrY1ZIWFVyOWJjRmtXSUExcDc5dDZnWThOS2kxaHUxdWgxejV4RlBCQmlBZDNYRGNiNXpZanJpX3BlTEdla1F5SWlNdFhsWnRHb0p0cFczclZiRnpIajRYcXNBaVlldGxnTVlaNUZoQlJqTUpVa0JCTU9aaGJFWWJ6OXFmWEZNazluX2d0TENYbEMzNzVMQQ?oc=5) · Pulse 2.0
- 2026-06-25 [Two UP banks sign merger agreement - WNMU-FM](https://news.google.com/rss/articles/CBMigwFBVV95cUxPd201UGM5TVBHU2Z3SnRGdmI3MnFfVjRLWFY0NWMtWHNIdmZESXJ3S25TdUtDcmNYMzhnRUV0TEhjQ0VxU1NEMDhiSXNFbGhEZXZycmJQU3VmVzVUQzJfUDYtTGt4WTRjc3VuVVFTd3EwNVY1TnRaREtNZXg0NEYwd1UzMA?oc=5) · WNMU-FM
- 2026-06-24 [Keweenaw Financial and Range Financial to Merge Creating $1.68 Billion Community Bank - citybiz](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQZTVBTmJpY1Y2bWlmcTRZRm94T2Z5S3AtMzV6QWpiTUZSWFBBN1pIWkxQSEF6d3pNNTJEdzFoTVZ4Y3pkVklnWGY1cVpBYVY4a1ZhWmRQdHpUWDhkbklJX0FRZEEyb0RidHd0V1oyVnFoWTZqTDJ3RVQxVXVZZ2g3Z1VLOXdKX2E3SVNMNXh5S25NbzJMVVJPMEFEV1lHMXZQZW91NVNWSkZTSnA3N21VODBiekZSYXNELWxIQ0FYaUY?oc=5) · citybiz
- 2019-09-18 [Superior National Buying Main Street Bank - Smart Business Dealmakers](https://news.google.com/rss/articles/CBMingFBVV95cUxPYzJXNVVuRjZiaXJ0Zk5KSXV5b2JfYlgxdkpTeWtRc19abjc0RE50bE9NeWhhMFBmc0JvRWVmSzVqb3hnN2JOWW5nZU5SQ21NUndoWHptY09iRWM3MFFOa3Zyc3pKWXBFc2lfelRpbS1YaDVJNE9kbUZfMDQ5Sm5sVXQySzdpSFJveHpleS1ISzlsY3dMcG8xWWRYSFc2QQ?oc=5) · Smart Business Dealmakers

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5058 (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/2.json (key "5058", 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