Kalamazoo County State Bank is a state-chartered bank headquartered in Schoolcraft, Michigan, in business for about 118 years. At the end of Q2 2026 it reported $118.4M in total assets and $105.3M in deposits, with 3 offices.
Based on its Q2 2026 filing, Kalamazoo County State Bank scores 77/100, which we describe as strong. That is higher than 68% of 2,650 banks with $100 million – $1 billion. Among 72 banks headquartered in Michigan, it ranks 16th. Its strongest component is funding & liquidity (99/100; 58% loans-to-deposits, 16% uninsured), and its lowest is earnings (42/100; 0.54%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (77 → 77).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 74 |
| Q4 2024 | 74 |
| Q1 2025 | 74 |
| Q2 2025 | 77 |
| Q3 2025 | 74 |
| Q4 2025 | 76 |
| Q1 2026 | 75 |
| Q2 2026 | 77 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.30% |
| Q3 2024 | 11.50% |
| Q4 2024 | 11.45% |
| Q1 2025 | 11.30% |
| Q2 2025 | 11.59% |
| Q3 2025 | 11.73% |
| Q4 2025 | 11.81% |
| Q1 2026 | 11.62% |
| Q2 2026 | 12.08% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.25% |
| Q3 2024 | 0.26% |
| Q4 2024 | 0.27% |
| Q1 2025 | 0.19% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.30% |
| Q4 2025 | 0.25% |
| Q1 2026 | 0.26% |
| Q2 2026 | 0.33% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.36% |
| Q3 2024 | 0.44% |
| Q4 2024 | 0.47% |
| Q1 2025 | 0.41% |
| Q2 2025 | 0.45% |
| Q3 2025 | 0.48% |
| Q4 2025 | 0.51% |
| Q1 2026 | 0.51% |
| Q2 2026 | 0.54% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 77 | $118.4M | 12.08% | 0.33% | 0.54% | 57.7% |
| Q1 2026 | 75 | $120.9M | 11.62% | 0.26% | 0.51% | 54.3% |
| Q4 2025 | 76 | $119.9M | 11.81% | 0.25% | 0.51% | 52.1% |
| Q3 2025 | 74 | $124.8M | 11.73% | 0.30% | 0.48% | 48.8% |
| Q2 2025 | 77 | $120.0M | 11.59% | 0.00% | 0.45% | 50.4% |
| Q1 2025 | 74 | $122.5M | 11.30% | 0.19% | 0.41% | 49.9% |
| Q4 2024 | 74 | $119.8M | 11.45% | 0.27% | 0.47% | 51.5% |
| Q3 2024 | 74 | $117.9M | 11.50% | 0.26% | 0.44% | 53.8% |
| Q2 2024 | 72 | $119.4M | 11.30% | 0.25% | 0.36% | 54.6% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Michigan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Blissfield State BankBank Blissfield, MI | 66 out of 100, Moderate | $114.6M | 11.3% | 1.69% | vs |
| G. W. Jones Exchange BankBank Marcellus, MI | 61 out of 100, Moderate | $122.8M | 10.4% | 1.64% | vs |
| Community Unity BankBank Birmingham, MI | 71 out of 100, Strong | $107.1M | 19.5% | 0.00% | vs |
| The Miners State BankBank Iron River, MI | 82 out of 100, Strong | $134.8M | 12.2% | 0.00% | vs |
| Sidney State BankBank Sidney, MI | 80 out of 100, Strong | $138.7M | 9.6% | 0.06% | vs |
| Bay Port State BankBank Bay Port, MI | 71 out of 100, Strong | $153.4M | 10.9% | 0.65% | vs |
Deposit insurance
Is my money safe at Kalamazoo County State Bank?
Yes. Kalamazoo County State Bank is an FDIC-insured institution (FDIC certificate #5892). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.1% of deposits ($16.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.08%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 21.09% (benchmark: 10%).
3 locations
Branches
Kalamazoo County State Bank lists 3 offices in 3 cities. Most locations:
- Mattawan, MI (1)
- Schoolcraft, MI (1)
- Vicksburg, MI (1)
Identity & history
Profile
- Legal name
- Kalamazoo County State Bank
- Former names
- The Kalamazoo County State Bank of Schoolcraft
- Type
- State-chartered bank
- FDIC certificate #
- 5892
- RSSD ID
- 644141
- Primary regulator
- FDIC
- Established
- January 1, 1908
- Headquarters
- 223 N Grand St, Schoolcraft, MI 49087
- Website
- www.kcsbank.com
- Employees
- 34
Quick answers
Kalamazoo County State Bank: common questions
Is Kalamazoo County State Bank FDIC insured?
Yes. Kalamazoo County State Bank is an FDIC-insured institution (FDIC certificate #5892). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Kalamazoo County State Bank's TellerScore?
77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Kalamazoo County State Bank ever failed?
There is no failure record for FDIC certificate #5892 in the FDIC failed bank list.
How many branches does Kalamazoo County State Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Schoolcraft
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Omni Community Credit UnionCredit union Battle Creek, MI | 90 out of 100, Very strong | $662.0M | 16.3% | 0.75% | vs |
| Kellogg Community Credit UnionCredit union Battle Creek, MI | 88 out of 100, Very strong | $1.0B | 16.7% | 0.41% | vs |
| Preferred Credit UnionCredit union Grand Rapids, MI | 87 out of 100, Very strong | $318.1M | 14.3% | 0.37% | vs |
| Century Bank and TrustBank Coldwater, MI | 86 out of 100, Very strong | $494.0M | 14.6% | 0.66% | vs |
| 1st Source BankBank South Bend, IN | 75 out of 100, Strong | $9.3B | 13.7% | 0.99% | vs |
| Lake Michigan Credit UnionCredit union Grand Rapids, MI | 73 out of 100, Strong | $17.3B | 11.3% | 0.35% | vs |