Vitals
  • Total Assets
    703.3M 58.2 %
  • Total Deposits
    603.6M 59.7 %
  • Total Net Loans
    518.1M 37.0 %
  • Net Income
    5.6M 11.1 %
  • Book Value
    63.5M 48.5 %
  • Book Value x2
    127.0M 48.5 %
  • Book Value x3
    190.5M 48.5 %
ROAA

1.172

ROAE

11.527

Efficiency Ratio

67.835

Net Interest Margin

3.993

Balance Sheet Highlights
Financial Highlights The State Bank All Insured Commercial Banks in Michigan
Balance Sheet $(000)
Total Assets 703,318 330,697
Total Net Loans 518,080 227,599
Total Deposits 603,561 278,247
Total Equity 63,493 33,935
Profitability
Net Income 5,570 3,589
Return on Average Assets 1.172 .954
Return on Average Equity 11.527 8.772
Net Interest Margin 3.993 3.821
Efficiency Ratio 67.835 71.925
Noninterest Income/Revenue 27.149 24.061
Balance Sheet Ratios
Loan-to-Deposit 85.837 76.845
Securities/Assets .095 .16
Total Equity/Total Assets .09 .103
Tangible Equity/Tangible Assets .079 .098
Capital Adequacy
Tier 1 Common Capital 59,391 32,553
Tier 1 Capital 59,391 32,664
Tier 2 Capital 2,851 2,479
Total Capital 62,242 35,133
Total Risk Weighted Assets 538,628 242,208
Leverage Ratio 11.8 10.341
Common Equity Tier 1 Capital Ratio 11.03 15.339
Tier 1 Capital Ratio 11.03 15.393
Total Capital Ratio 11.56 16.423

Timeline for The State Bank

Fentura Mortgage Company

Fentura Mortgage Company became a new subsidiary organization for The State Bank.

View Profile Oct 16 2000

Community Bank Services, Inc.

Community Bank Services, Inc. became a new subsidiary organization for The State Bank.

View Profile Jan 14 1999

Fentura Financial, Inc.

Fentura Financial, Inc. became a new parent organization for The State Bank.

View Profile Jul 01 1988

The State Bank

The State Bank was established 126 years ago and is currently headquartered in Fenton, MI.

Jan 01 1898
Relationships Role Relationship Start Relationship End
Fentura Financial, Inc. Parent 7/1/1988
Community Bank Services, Inc. Subsidary 6/30/2007
Fentura Mortgage Company Subsidary 6/30/2007 6/1/2010
Fentura Mortgage Company Subsidary 10/16/2000 6/29/2007
Community Bank Services, Inc. Subsidary 1/14/1999 6/29/2007
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