Superior National Bank is a national bank headquartered in Hancock, Michigan, in business for about 136 years. At the end of Q2 2026 it reported $1.0B in total assets and $881.5M in deposits, with 10 offices.
Based on its Q2 2026 filing, Superior National Bank scores 73/100, which we describe as strong. That is higher than 70% of 897 banks with $1 billion – $10 billion. Among 72 banks headquartered in Michigan, it ranks 26th. Its strongest component is problem-loan coverage (92/100; 4.1%), and its lowest is earnings (67/100; 1.17%).
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 8 points (65 → 73), mostly because the earnings component improved by 17 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 68 |
| Q3 2024 | 67 |
| Q4 2024 | 66 |
| Q1 2025 | 63 |
| Q2 2025 | 65 |
| Q3 2025 | 68 |
| Q4 2025 | 72 |
| Q1 2026 | 74 |
| Q2 2026 | 73 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.72% |
| Q3 2024 | 10.70% |
| Q4 2024 | 10.98% |
| Q1 2025 | 11.31% |
| Q2 2025 | 11.36% |
| Q3 2025 | 11.33% |
| Q4 2025 | 11.29% |
| Q1 2026 | 11.57% |
| Q2 2026 | 11.70% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.42% |
| Q3 2024 | 0.53% |
| Q4 2024 | 0.80% |
| Q1 2025 | 1.21% |
| Q2 2025 | 0.93% |
| Q3 2025 | 0.83% |
| Q4 2025 | 0.49% |
| Q1 2026 | 0.47% |
| Q2 2026 | 0.65% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.67% |
| Q3 2024 | 0.75% |
| Q4 2024 | 0.79% |
| Q1 2025 | 0.66% |
| Q2 2025 | 0.76% |
| Q3 2025 | 0.97% |
| Q4 2025 | 1.05% |
| Q1 2026 | 1.08% |
| Q2 2026 | 1.17% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $1.0B | 11.70% | 0.65% | 1.17% | 76.1% |
| Q1 2026 | 74 | $1.1B | 11.57% | 0.47% | 1.08% | 73.5% |
| Q4 2025 | 72 | $1.0B | 11.29% | 0.49% | 1.05% | 75.1% |
| Q3 2025 | 68 | $1.0B | 11.33% | 0.83% | 0.97% | 75.8% |
| Q2 2025 | 65 | $1.0B | 11.36% | 0.93% | 0.76% | 79.5% |
| Q1 2025 | 63 | $997.1M | 11.31% | 1.21% | 0.66% | 76.6% |
| Q4 2024 | 66 | $995.8M | 10.98% | 0.80% | 0.79% | 77.7% |
| Q3 2024 | 67 | $1.0B | 10.70% | 0.53% | 0.75% | 77.1% |
| Q2 2024 | 68 | $1.0B | 10.72% | 0.42% | 0.67% | 79.8% |
897 peers · $1 billion – $10 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 |
|---|---|---|---|---|---|
| Sturgis Bank & Trust CompanyBank Sturgis, MI | 56 out of 100, Moderate | $1.0B | 8.6% | 0.92% | vs |
| United Bank of MichiganBank Grand Rapids, MI | 74 out of 100, Strong | $1.1B | 10.6% | 0.06% | vs |
| Northstar BankBank Bad Axe, MI | 59 out of 100, Moderate | $1.2B | 9.1% | 0.80% | vs |
| West Michigan Community BankBank Hudsonville, MI | 53 out of 100, Below average | $1.2B | 9.2% | 1.40% | vs |
| University BankBank Ann Arbor, MI | 60 out of 100, Moderate | $1.2B | 10.1% | 0.41% | vs |
| First State BankBank Eastpointe, MI | 63 out of 100, Moderate | $1.3B | 10.0% | 0.81% | vs |
Deposit insurance
Is my money safe at Superior National Bank?
Yes. Superior National Bank is an FDIC-insured institution (FDIC certificate #5058). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 26.1% of deposits ($230.0M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.70%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.47% (benchmark: 10%).
10 locations
Branches
Superior National Bank lists 7 offices in 7 cities. Most locations:
- Baraga, MI (1)
- Bloomfield Hills, MI (1)
- Calumet, MI (1)
- Hancock, MI (1)
- Houghton, MI (1)
- L'Anse, MI (1)
- Troy, MI (1)
HMDA 2025
Mortgage lending
In 2025, Superior National Bank reported 855 home-loan applications under HMDA (LEI 2549003SYL72OG7Y6S21): 741 originated ($214,215,000 total), 26 denied, and 84 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.4%, 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
- Superior National Bank
- Former names
- Superior National Bank & Trust Company; The Superior National Bank and Trust Company of Hancock
- Type
- National bank
- FDIC certificate #
- 5058
- RSSD ID
- 245557
- Primary regulator
- OCC
- Holding company
- Keweenaw Financial Corp
- Established
- March 6, 1890
- Headquarters
- 235 Quincy St, Hancock, MI 49930
- Website
- www.snb-t.com
- Employees
- 189
Quick answers
Superior National Bank: common questions
Is Superior National Bank FDIC insured?
Yes. Superior National Bank is an FDIC-insured institution (FDIC certificate #5058). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Superior National Bank's TellerScore?
73 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 Superior National Bank ever failed?
There is no failure record for FDIC certificate #5058 in the FDIC failed bank list.
How many branches does Superior National Bank have?
10 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Hancock
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Breakwater Federal Credit UnionCredit union Houghton, MI | 92 out of 100, Very strong | $138.2M | 13.7% | 0.32% | vs |
| The Miners State BankBank Iron River, MI | 82 out of 100, Strong | $134.8M | 12.2% | 0.00% | vs |
| Range BankBank Marquette, MI | 80 out of 100, Strong | $604.1M | 10.8% | 0.03% | vs |
| Upper Peninsula State BankBank Escanaba, MI | 72 out of 100, Strong | $371.7M | 13.4% | 1.09% | vs |
| The Huntington National BankBank Columbus, OH | 59 out of 100, Moderate | $283.1B | 9.3% | 1.06% | vs |
| Peninsula Federal Credit UnionCredit union Escanaba, MI | 58 out of 100, Moderate | $355.7M | 9.0% | 0.94% | vs |