B
The State Savings Bank of Manistique
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
10.20
Return On
Assets
0.76%
Total
Assets
169.43M
Capital
13.61M
Total
Deposits
140.60M
Net
Income
947.00K
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Weiss Ratings The State Savings Bank of Manistique
Manistique, MI 		Click to
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Rating B
Asset Quality Index 8.10
Capitalization Index 8.80
Liquidity Index 4.20
Profitability Index 3.60
Stability Index 4.10
Company Info The State Savings Bank of Manistique
Manistique, MI 		Click to
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FDIC Number 13249
Phone Number (906) 341-4600
Website www.statesavingsbank.com
Asset Quality The State Savings Bank of Manistique
Manistique, MI 		Click to
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1-Year Asset Growth 3.23%
5-Year Asset Growth 6.75%
5-Year Charge-Offs to Average Loans 0.12%
Charge-Offs to Average Loans 0.17%
Non-Performing Assets to Assets 0.23%
Non-Performing Loans to Capital 0.42%
Non-Performing Loans to Loans 0.16%
Balance Sheet The State Savings Bank of Manistique
Manistique, MI 		Click to
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Total Assets 169.43M
Total Deposits 140.60M
Capital and Reserves The State Savings Bank of Manistique
Manistique, MI 		Click to
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Capital 13.61M
Leverage Ratio 10.20
Loan Loss Reserves to Loans 1.07%
Risk-Based Capital Ratio --
Liquidity The State Savings Bank of Manistique
Manistique, MI 		Click to
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Hot Money Ratio 14.52%
Liquidity Ratio 40.68%
Profitability The State Savings Bank of Manistique
Manistique, MI 		Click to
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5-Year Return on Average Assets 0.61%
Net Income 947.00K
Net Interest Spread 2.75%
Operating Profit to Average Assets 0.86%
Overhead Efficiency Ratio 70.33%
Return on Assets 0.76%
Return on Equity 10.11%