Miners State Bank (FDIC #10928): Bank Stress & Real-Estate Credit Exposure

Miners State Bank (FDIC Cert #10928): bank stress 64/100, elevated, STABLE over 7 days; parent MSB BANKSHARES INC.

Miners State Bank (#10928) lends in 3 counties across 1 state; Miners State Bank (#10928) reaches 35 ZIP codes: Michigan 3 counties, 35 ZIPs.

Miners State Bank (#10928) largest markets: Houghton County, MI (60 branches, 20 ZIPs) (#10928), Ontonagon County, MI (12 branches, 12 ZIPs) (#10928), Iron County, MI (8 branches, 8 ZIPs) (#10928).

Miners State Bank (#10928) reports $134.8 million in total assets; Miners State Bank (#10928) equity $15.5 million (11.5% of Miners State Bank (#10928) assets); Miners State Bank (#10928) domestic deposits $117.6 million; Miners State Bank (#10928) net income $728,000; Miners State Bank (#10928) return on assets 1.05%; Miners State Bank (#10928) return on equity 9.44%; Miners State Bank (#10928) net interest income $2.7 million; Miners State Bank (#10928) call report June 30, 2026.

Miners State Bank (#10928) noncurrent real-estate loans: none reported; Miners State Bank (#10928) net charge-offs on real estate 0.00%.

Miners State Bank (#10928) net interest margin 4.25% against an eight-quarter Miners State Bank (#10928) average of 3.80% (Miners State Bank (#10928) compression -0.45 points); Miners State Bank (#10928) rate-exposure score 40/100, Miners State Bank (#10928) fixed-rate trap 40/100; Miners State Bank (#10928) risk type credit driven; Miners State Bank (#10928) rate regime rates elevated, Miners State Bank (#10928) snapshot October 20, 2026.

Miners State Bank (#10928) stress score moved from 61.9 on June 22, 2026 to 64.3 on October 20, 2026; Miners State Bank (#10928) ranged 61.9 to 64.3 over 117 snapshots.

Miners State Bank (#10928) alerts: 3 counties; top Miners State Bank (#10928) alert scores: Ontonagon County, MI 58 (elevated); Iron River County, MI 23 (low); South Range County, MI 23 (low).