Sidney State Bank: how it compares with its peers
Against 19 MI banks with half to twice its assets, Sidney State Bank's strongest measure in Q2 2026 is net interest margin (5.10% vs. a 3.78% peer median). Its weakest relative measure is assets per employee ($5.5M vs. $4.9M).
| Measure | Sidney State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.93% | 0.92% | Top third Ahead of 89% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.10% | 3.78% | Top third Ahead of 95% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 50.72% | 70.92% | Top third Ahead of 95% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.5M | $4.9M | Middle third Ahead of 61% of peers |
| Loans to deposits Net loans and leases over total deposits. | 73.84% | 74.79% | Context |
What it means for lending operations
Its efficiency ratio of 50.72% is better than the 70.92% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Miners State Bank Iron River, MI · $135M
- Bay Port State Bank Bay Port, MI · $153M
- G. W. Jones Exchange Bank Marcellus, MI · $123M
- Kalamazoo County State Bank Schoolcraft, MI · $118M
- Blissfield State Bank Blissfield, MI · $115M
- Community Unity Bank Birmingham, MI · $107M
Questions about Sidney State Bank
How big is Sidney State Bank?
Sidney State Bank, established in 1921, is headquartered in Sidney, MI. It reported $139M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Sidney State Bank's return on assets?
1.93% annualized in Q2 2026, against a 0.92% median for 19 MI banks with half to twice its assets, ahead of 89% of them.
What is Sidney State Bank's efficiency ratio?
50.72% in Q2 2026: it spent about 51 cents in noninterest expense for each dollar of revenue. The peer median is 70.92%, and lower is better.
Is Sidney State Bank growing its loans?
Net loans shrank 2.9% over the year to Q2 2026, while deposits shrank 6.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MI banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Michigan bank ranked.