Sidney State Bank (FDIC certificate #17232) is based in Sidney, Michigan. Its Q2 2026 call report shows $138.7M in total assets and $123.1M in deposits and 3 offices.
Sidney State Bank has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 77% of its 2,650 banks with $100 million – $1 billion. Among 72 banks headquartered in Michigan, it ranks 11th. Loan quality contributes the most (98/100, 0.06%); capital cushion contributes the least (46/100, 9.65%).
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
From Q2 2025 to Q2 2026, the score rose 5 points (75 → 80), mostly because the earnings component improved by 15 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 71 |
| Q4 2024 | 71 |
| Q1 2025 | 73 |
| Q2 2025 | 75 |
| Q3 2025 | 74 |
| Q4 2025 | 77 |
| Q1 2026 | 79 |
| Q2 2026 | 80 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.30% |
| Q3 2024 | 8.65% |
| Q4 2024 | 8.87% |
| Q1 2025 | 8.69% |
| Q2 2025 | 8.83% |
| Q3 2025 | 8.72% |
| Q4 2025 | 9.27% |
| Q1 2026 | 9.30% |
| Q2 2026 | 9.65% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.13% |
| Q3 2024 | 0.09% |
| Q4 2024 | 0.17% |
| Q1 2025 | 0.03% |
| Q2 2025 | 0.03% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.07% |
| Q1 2026 | 0.01% |
| Q2 2026 | 0.06% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.18% |
| Q3 2024 | 1.28% |
| Q4 2024 | 1.27% |
| Q1 2025 | 1.42% |
| Q2 2025 | 1.55% |
| Q3 2025 | 1.43% |
| Q4 2025 | 1.70% |
| Q1 2026 | 1.94% |
| Q2 2026 | 1.93% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 80 | $138.7M | 9.65% | 0.06% | 1.93% | 73.8% |
| Q1 2026 | 79 | $143.2M | 9.30% | 0.01% | 1.94% | 73.1% |
| Q4 2025 | 77 | $140.6M | 9.27% | 0.07% | 1.70% | 74.4% |
| Q3 2025 | 74 | $145.2M | 8.72% | 0.00% | 1.43% | 70.8% |
| Q2 2025 | 75 | $146.5M | 8.83% | 0.03% | 1.55% | 70.9% |
| Q1 2025 | 73 | $144.3M | 8.69% | 0.03% | 1.42% | 70.6% |
| Q4 2024 | 71 | $130.8M | 8.87% | 0.17% | 1.27% | 76.4% |
| Q3 2024 | 71 | $129.2M | 8.65% | 0.09% | 1.28% | 78.9% |
| Q2 2024 | 69 | $128.0M | 8.30% | 0.13% | 1.18% | 77.9% |
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 |
|---|---|---|---|---|---|
| The Miners State BankBank Iron River, MI | 82 out of 100, Strong | $134.8M | 12.2% | 0.00% | vs |
| Bay Port State BankBank Bay Port, MI | 71 out of 100, Strong | $153.4M | 10.9% | 0.65% | vs |
| G. W. Jones Exchange BankBank Marcellus, MI | 61 out of 100, Moderate | $122.8M | 10.4% | 1.64% | vs |
| Kalamazoo County State BankBank Schoolcraft, MI | 77 out of 100, Strong | $118.4M | 12.1% | 0.33% | vs |
| Blissfield State BankBank Blissfield, MI | 66 out of 100, Moderate | $114.6M | 11.3% | 1.69% | vs |
| Community Unity BankBank Birmingham, MI | 71 out of 100, Strong | $107.1M | 19.5% | 0.00% | vs |
Deposit insurance
Is my money safe at Sidney State Bank?
Yes. Sidney State Bank is an FDIC-insured institution (FDIC certificate #17232). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 18.1% of deposits ($22.3M) 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 9.65%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
Sidney State Bank lists 3 offices in 3 cities. Most locations:
- Sheridan, MI (1)
- Sidney, MI (1)
- Stanton, MI (1)
HMDA 2025
Mortgage lending
In 2025, Sidney State Bank reported 79 home-loan applications under HMDA (LEI 549300JH6IWUYV8WYT95): 66 originated ($11,450,000 total), 6 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.6%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Sidney State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 17232
- RSSD ID
- 648345
- Primary regulator
- FDIC
- Holding company
- Sidney Bcorp
- Established
- October 10, 1921
- Headquarters
- 3016 W Sidney Rd, Sidney, MI 48885
- Website
- www.sidneybank.com
- Employees
- 25
Quick answers
Sidney State Bank: common questions
Is Sidney State Bank FDIC insured?
Yes. Sidney State Bank is an FDIC-insured institution (FDIC certificate #17232). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Sidney State Bank's TellerScore?
80 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 Sidney State Bank ever failed?
There is no failure record for FDIC certificate #17232 in the FDIC failed bank list.
How many branches does Sidney State Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Sidney
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Tri-Cities Credit UnionCredit union Grand Haven, MI | 86 out of 100, Very strong | $51.3M | 13.9% | 0.05% | vs |
| Montcalm Public Employees Credit UnionCredit union Edmore, MI | 84 out of 100, Strong | $26.9M | 16.9% | 1.19% | vs |
| Pfcu Credit UnionCredit union Portland, MI | 77 out of 100, Strong | $873.2M | 11.3% | 0.37% | vs |
| Commercial BankBank Ithaca, MI | 75 out of 100, Strong | $552.7M | 10.9% | 0.39% | vs |
| River Valley Credit UnionCredit union Ada, MI | 74 out of 100, Strong | $124.0M | 12.1% | 0.63% | vs |
| Mercantile BankBank Grand Rapids, MI | 73 out of 100, Strong | $6.2B | 11.6% | 0.10% | vs |