Sturgis Bank&Trust Co (FDIC #28593): Bank Stress & Real-Estate Credit Exposure
Sturgis Bank&Trust Co (FDIC Cert #28593): bank stress 77/100, severe, STABLE over 7 days; parent STURGIS BCORP INC.
Sturgis Bank&Trust Co (#28593) lends in 6 counties across 1 state; Sturgis Bank&Trust Co (#28593) reaches 96 ZIP codes: Michigan 6 counties, 96 ZIPs.
Sturgis Bank&Trust Co (#28593) largest markets: Kalamazoo County, MI (75 branches, 25 ZIPs) (#28593), Berrien County, MI (72 branches, 24 ZIPs) (#28593), Van Buren County, MI (69 branches, 23 ZIPs) (#28593), Calhoun County, MI (22 branches, 22 ZIPs) (#28593), Branch County, MI (13 branches, 13 ZIPs) (#28593), St. Joseph County, MI (78 branches, 13 ZIPs) (#28593).
Sturgis Bank&Trust Co (#28593) reports $1.03 billion in total assets; Sturgis Bank&Trust Co (#28593) equity $83.8 million (8.1% of Sturgis Bank&Trust Co (#28593) assets); Sturgis Bank&Trust Co (#28593) domestic deposits $893.0 million; Sturgis Bank&Trust Co (#28593) net income $5.2 million; Sturgis Bank&Trust Co (#28593) return on assets 1.03%; Sturgis Bank&Trust Co (#28593) return on equity 12.99%; Sturgis Bank&Trust Co (#28593) net interest income $18.0 million; Sturgis Bank&Trust Co (#28593) call report June 30, 2026.
Sturgis Bank&Trust Co (#28593) noncurrent real-estate loans: none reported; Sturgis Bank&Trust Co (#28593) net charge-offs on real estate 0.29%; Sturgis Bank&Trust Co (#28593) residential charge-offs 0.32%.
Sturgis Bank&Trust Co (#28593) net interest margin 3.86% against an eight-quarter Sturgis Bank&Trust Co (#28593) average of 3.64% (Sturgis Bank&Trust Co (#28593) compression -0.22 points); Sturgis Bank&Trust Co (#28593) real-estate loans 0.2% of equity; Sturgis Bank&Trust Co (#28593) non-residential real estate 32.4% of equity; Sturgis Bank&Trust Co (#28593) rate-exposure score 40/100, Sturgis Bank&Trust Co (#28593) fixed-rate trap 40/100; Sturgis Bank&Trust Co (#28593) risk type credit driven; Sturgis Bank&Trust Co (#28593) rate regime rates elevated, Sturgis Bank&Trust Co (#28593) snapshot October 19, 2026.
Sturgis Bank&Trust Co (#28593) stress score moved from 78.8 on June 22, 2026 to 76.5 on October 19, 2026; Sturgis Bank&Trust Co (#28593) ranged 76.5 to 78.8 over 116 snapshots.
Sturgis Bank&Trust Co (#28593) alerts: 6 counties; top Sturgis Bank&Trust Co (#28593) alert scores: Bronson County, MI 27 (low); Marshall County, MI 27 (low); Portage County, MI 27 (low); Saint Joseph County, MI 27 (low); South Haven County, MI 27 (low).