# KALAMAZOO COUNTY STATE BANK
SCHOOLCRAFT, MI · FDIC certificate 5892 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $118.4M | |
| Deposits | $105.3M | |
| Loans and leases | $61.3M | |
| Total equity | $12.6M | |
| Loans / deposits | 57.67% (p27 of band) | 73.59% |
| Liquid assets / assets | 43.20% (p69 of band) | |
| Uninsured deposits / deposits | 16.06% (p35 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.08% (p53 of band) | 11.76% |
| Unrealized securities loss / equity | -18.46% (p25 of band) | -6.57% |
| AOCI / equity | -1.02% (p27 of band) | |
| ROA (annualized) | 0.54% (p19 of band) | 1.17% |
| Net interest margin | 4.42% (p73 of band) | 3.93% |
| Efficiency ratio | 83.26% (p83 of band) | |
| Noncurrent loans | 0.33% (p48 of band) | 0.36% |
| Net charge-offs (annualized) | 0.04% (p78 of band) | |
| Reserve coverage of noncurrent | 257.00% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 49.66% (p79 of band) | |
| Auto loans | $8.8M (14.39% of loans; DQ 2.96%, NCO 0.04%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.6% | |
| Employees | 34 | |

## 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 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 3 | losing money, charge-offs p90 |  |
| 2012-06 | 1 |  | reserve under noncurrent, losing money |
| 2012-09 | 0 |  | charge-offs p90 |
| 2012-12 | 2 | capital falling, reserve under noncurrent |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 | expense ratio p90 | reserve under noncurrent |
| 2013-12 | 0 |  | expense ratio p90 |
| 2014-03 | 2 | capital falling, charge-offs p90 |  |
| 2014-06 | 1 |  | charge-offs p90 |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 2 | expense ratio p90, reserve under noncurrent |  |
| 2015-03 | 1 | capital falling | expense ratio p90, reserve under noncurrent |
| 2015-06 | 2 | expense ratio p90 |  |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | capital falling, reserve under noncurrent | expense ratio p90 |
| 2016-06 | 2 |  |  |
| 2016-09 | 0 |  | capital falling, reserve under noncurrent |
| 2016-12 | 1 | uninsured deposits leaving |  |
| 2017-03 | 2 | expense ratio p90, reserve under noncurrent | uninsured deposits leaving |
| 2017-06 | 1 |  | reserve under noncurrent |
| 2017-09 | 0 |  | expense ratio p90 |
| 2017-12 | 1 | losing money |  |
| 2018-03 | 2 | reserve under noncurrent, auto book souring | losing money |
| 2018-06 | 4 | losing money, expense ratio p90 |  |
| 2018-09 | 2 |  | reserve under noncurrent, losing money |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 |  | expense ratio p90 |
| 2019-06 | 0 |  | auto book souring |
| 2019-09 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2019-12 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2020-03 | 1 | auto book souring |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | auto book souring |
| 2021-06 | 2 | auto book souring |  |
| 2021-09 | 1 |  | auto book souring |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 2 |  | capital falling |
| 2022-09 | 3 | auto book souring |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 2 | deposits shrinking | auto book souring |
| 2023-09 | 2 | auto book souring | deposits shrinking |
| 2023-12 | 3 | assets shrinking |  |
| 2024-03 | 2 |  | auto book souring |
| 2024-06 | 2 | charge-offs p90 | assets shrinking |
| 2024-09 | 4 | auto book souring, uninsured deposits leaving |  |
| 2024-12 | 2 |  | charge-offs p90, uninsured deposits leaving |
| 2025-03 | 2 | capital falling | auto book souring |
| 2025-06 | 1 | auto book souring | securities losses >30% of equity, capital falling |
| 2025-09 | 0 |  | auto book souring |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2019-10-16 [U.P. Man To Serve As Banking Association Chairman - Radioresultsnetwork.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxORE5hTG0wcERhLUE4ZElnUlJrYzFub3A5c1VtVU9USkhYSW5HODFiVVA0Vzl3SF9LX2laMXRwZVF2WnIxRUlGNWFiMWM0NXZoS3hUQmNhaWxCTGsyOG5aVFZiQmNieWJhRnVRaWZSVjZtVUNsWmdPVlNVcXB0QnJ0bWN4YlhOMlV4cHhhbVNiMW5LZk1FQVNPUkNORGc?oc=5) · Radioresultsnetwork.com
- 2021-07-31 [Kalamazoo County Administrator Tracie Moored resigns after years of service - wwmt.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxNRmxVR3N0dGNHbi1EZ29JZXNQdGFQOFlta2VWcVl4TTgyd2hXS0pRWDlJTmdqa2NiM1hXM1VSQnlNY2tKY0E1dDE5dkRhTC1XR2o2ZVBUNmszRFBLSlE3eFRpM3dGaEQweTBIb19NUE5qYmx4ckx1SU45Nm5keHFxSF9uZ3IteTlTQ2JoLU5KSUJEV1h1R0VwY2Q0YmtzV2pUb29DM2hn?oc=5) · wwmt.com
- 2020-09-11 [Jim MacPhee Obituary & Funeral | South Haven, formerly of Portage, MI - Betzler Life Story Funeral Homes](https://news.google.com/rss/articles/CBMiakFVX3lxTE01bEFwbGliVURtaG5vdm1YTi11STZMN1ZzV3I4aERMbDVMTzIta085X28zQmM0V1ZTbWF1UmZGNnJyTDdSQXl3WnVVT1NOUDBTWFNGeXV6a2N3anNNZzlXY2FTVnFfVlJaekE?oc=5) · Betzler Life Story Funeral Homes
- 2024-01-17 [Google Wallet adds support for over 40 more banks including Venmo - 9to5Google](https://news.google.com/rss/articles/CBMiekFVX3lxTFBFRngyX0h6VU1CeWUyekdkbkZZZVNmUXJCOTRqb0w5T1lDR3VVTV9uZi00T3VzTXh5VVZraEJhaGFZTFU5T1F0M1RDSlU3RkVMUlFVNF95Mk90WVk2bXQybE9YSjg3dEdNWVB2dnZtZnRFSzRlUE95cnp3?oc=5) · 9to5Google
- 2024-01-17 [Google Wallet now supports 44 more banks — here's the new additions - androidpolice.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxNc2tTNzBQQjlWRmhZQnBFTFdzVlVWWDBwcUc0TkhyNWl4T1dfM0hLU3oxNDZPdlhqWV9mWmEyd3VRWVA0enVPaWk0SGFwSm9QM2E2X2M5ckpOblU2cF9lQkNZbzl6alFweWE0M25fYVZQdVBqV3BtNzIzRDJYNjhZTWw1QkZBUHI5VDBlbmVB?oc=5) · androidpolice.com
- 2014-03-18 [Jeffrey Steven Douglas Obituary Mar 18, 2014 - amsfuneralhomes.com](https://news.google.com/rss/articles/CBMiakFVX3lxTE9aMUFPT3lCU2dKTDlYcjM2eVdGWFdRS2t1NHAyeU8xdjNRczJrYWNWVXlNZU5yQnYzZlVCU3d0T0tuUWt6ZTZjWVhPaVZGU01xellHV1ZfVXEtLWQwbXVUOVc0SU1wZ0FXX0E?oc=5) · amsfuneralhomes.com
- 2021-10-03 [Bernard Taylor Obituary (2014) - Schoolcraft, MI - Kalamazoo Gazette - MLive.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNT0ZQWkstQmRxcHdhbGIzdDVPVGpwb2lhVHdFRG1Cb0VHa2hhUHRJODRmUXpzTW9SQzU0ZjJIeUsyaGI1MUhmNTNMOVQyVGZfWDMyalozVXdhNG41ZGFqMlJLQVFSbHRyUGZkUVBKXzZuOW10QXpZV0JtdmkzMlI1Z3ZpNnd5SGRsb1gwdFJxb2o?oc=5) · MLive.com
- 2009-09-22 [Vicksburg buys the financially struggling Angels Crossing Golf Club - MLive.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxNZ01WdEZhMkR2QUNYUS1NV0pvbXFyeWEzVHlrb0wyb0phbS1CZTdoT045cFZjekpZMnlaODZMSG9hNGRmeDk2Ri1uT3BPR0xBSWxHWkFKcjgtUHNBclhlcHpzOC1wMHRsdG9mTEZ3SUhOQVJCbE1GbGhlWHJjMHVWQzYzV1lhVlk?oc=5) · MLive.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5892 (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/4.json (key "5892", 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