🏦Bank Scorer

STURGIS BANK & TRUST COMPANY

STURGIS, MI · Supervised by FDIC

Est. 1905FDIC #28,593RSSD: FDIC-28593
Part ofSTURGIS BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: January 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.90%

Institution Profile

FDIC BankFind

Address

113 E Chicago Rd, STURGIS, MI

County

St. Joseph County

Established

January 1, 1905

Total Assets

$1.0B(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

Satisfactory

Meets federal requirements for community lending

Exam Date

January 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jan 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.0B

Total Deposits

$908M

Net Loans

$790M

Net Income

$2M

ROA

0.90%

ROE

11.61%

Risk-Based Capital

12.70%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate1.92%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

17

Branch Deposits

$883M

1-Year Change

0

5-year net change: +6 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202446989.34%1.92%
202346484.48%4.09%
202248188.15%3.53%
20219091.11%3.33%
20208885.23%4.55%
20196984.06%7.25%
20186287.1%3.23%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 2002

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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