State Savings Bank (FDIC #8162): Bank Stress & Real-Estate Credit Exposure
State Savings Bank (FDIC Cert #8162): bank stress 88/100, severe, STABLE over 7 days; parent CENTRAL-STATE BCORP INC.
State Savings Bank (#8162) lends in 4 counties across 1 state; State Savings Bank (#8162) reaches 34 ZIP codes: Michigan 4 counties, 34 ZIPs.
State Savings Bank (#8162) largest markets: Benzie County, MI (22 branches, 11 ZIPs) (#8162), Grand Traverse County, MI (22 branches, 11 ZIPs) (#8162), Leelanau County, MI (22 branches, 11 ZIPs) (#8162), Otsego County, MI (14 branches, 7 ZIPs) (#8162).
State Savings Bank (#8162) reports $431.2 million in total assets; State Savings Bank (#8162) equity $37.0 million (8.6% of State Savings Bank (#8162) assets); State Savings Bank (#8162) domestic deposits $391.6 million; State Savings Bank (#8162) net income $738,000; State Savings Bank (#8162) return on assets 0.35%; State Savings Bank (#8162) return on equity 3.99%; State Savings Bank (#8162) net interest income $9.2 million; State Savings Bank (#8162) call report June 30, 2026.
State Savings Bank (#8162) noncurrent real-estate loans: none reported; State Savings Bank (#8162) net charge-offs on real estate 0.23%.
State Savings Bank (#8162) net interest margin 4.80% against an eight-quarter State Savings Bank (#8162) average of 4.67% (State Savings Bank (#8162) compression -0.13 points); State Savings Bank (#8162) rate-exposure score 40/100, State Savings Bank (#8162) fixed-rate trap 40/100; State Savings Bank (#8162) risk type credit driven; State Savings Bank (#8162) rate regime rates elevated, State Savings Bank (#8162) snapshot October 19, 2026.
State Savings Bank (#8162) stress score moved from 82.5 on June 22, 2026 to 88.4 on October 20, 2026; State Savings Bank (#8162) ranged 82.5 to 88.4 over 117 snapshots.
State Savings Bank (#8162) alerts: 4 counties; top State Savings Bank (#8162) alert scores: Frankfort County, MI 29 (low); Gaylord County, MI 29 (low); Suttons Bay County, MI 29 (low); Traverse City County, MI 29 (low).