B
Kalamazoo County State Bank
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Kalamazoo County State Bank
Schoolcraft, MI
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Rating B
Asset Quality Index 8.50
Capitalization Index 10.00
Liquidity Index 4.50
Profitability Index 3.20
Stability Index 4.90
Company Info Kalamazoo County State Bank
Schoolcraft, MI
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FDIC Number 5892
Phone Number (269) 679-5291
Website www.kcsbank.com
Asset Quality Kalamazoo County State Bank
Schoolcraft, MI
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1-Year Asset Growth 5.87%
5-Year Asset Growth 4.96%
5-Year Charge-Offs to Average Loans 0.07%
Charge-Offs to Average Loans 0.20%
Non-Performing Assets to Assets 0.06%
Non-Performing Loans to Capital 1.13%
Non-Performing Loans to Loans 0.12%
Balance Sheet Kalamazoo County State Bank
Schoolcraft, MI
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Total Assets 124.81M
Total Deposits 112.15M
Capital and Reserves Kalamazoo County State Bank
Schoolcraft, MI
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Capital 12.15M
Leverage Ratio 11.73
Loan Loss Reserves to Loans 0.88%
Risk-Based Capital Ratio 21.55
Liquidity Kalamazoo County State Bank
Schoolcraft, MI
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Hot Money Ratio 10.02%
Liquidity Ratio 49.69%
Profitability Kalamazoo County State Bank
Schoolcraft, MI
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5-Year Return on Average Assets 0.43%
Net Income 442.00K
Net Interest Spread 3.76%
Operating Profit to Average Assets 0.60%
Overhead Efficiency Ratio 83.36%
Return on Assets 0.49%
Return on Equity 5.24%