This institution is no longer active

Operations ceased on June 1, 1996. CRA examination history below reflects the period it was active.

STATE BANK OF STANDISH

STANDISH, MI · Supervised by FDIC

Est. 1935FDIC #15,037RSSD: FDIC-15037

Part ofCITIZENS BANKING CORP→ View all charters

Outstanding Same

Current rating · Exam: January 1995

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.42%

Institution Profile

FDIC BankFind

Address

120 North Forest Street, STANDISH, MI

County

Arenac County

Established

January 1, 1935

Total Assets

$107M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

January 1, 1995

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 31 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 1996Call Report / FDIC

Total Assets

$107M

Total Deposits

$97M

Net Loans

$86M

Net Income

$383K

ROA

1.42%

ROE

16.82%

Risk-Based Capital

12.43%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 1992

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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