B
Sidney State Bank
SidneyMI
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Sidney State Bank
Sidney, MI
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Rating B
Asset Quality Index 8.70
Capitalization Index 7.20
Liquidity Index 3.00
Profitability Index 8.30
Stability Index 5.40
Company Info Sidney State Bank
Sidney, MI
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FDIC Number 17232
Phone Number (989) 328-2501
Website www.sidneybank.com
Asset Quality Sidney State Bank
Sidney, MI
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1-Year Asset Growth 11.72%
5-Year Asset Growth 11.97%
5-Year Charge-Offs to Average Loans -0.02%
Charge-Offs to Average Loans -0.03%
Non-Performing Assets to Assets 0.09%
Non-Performing Loans to Capital 0.86%
Non-Performing Loans to Loans 0.02%
Balance Sheet Sidney State Bank
Sidney, MI
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Total Assets 144.29M
Total Deposits 129.10M
Capital and Reserves Sidney State Bank
Sidney, MI
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Capital 13.02M
Leverage Ratio 9.11
Loan Loss Reserves to Loans 1.47%
Risk-Based Capital Ratio --
Liquidity Sidney State Bank
Sidney, MI
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Hot Money Ratio 14.02%
Liquidity Ratio 37.00%
Profitability Sidney State Bank
Sidney, MI
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5-Year Return on Average Assets 0.95%
Net Income 1.76M
Net Interest Spread 4.55%
Operating Profit to Average Assets 2.13%
Overhead Efficiency Ratio 52.54%
Return on Assets 1.68%
Return on Equity 19.51%