Superior National Bank: how it compares with its peers
Against 22 MI banks with half to twice its assets, Superior National Bank's strongest measure in Q2 2026 is return on assets (1.17% vs. a 1.26% peer median). Its weakest relative measure is assets per employee ($5.5M vs. $6.4M).
| Measure | Superior National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.17% | 1.26% | Middle third Ahead of 45% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.81% | 4.00% | Middle third Ahead of 36% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 67.21% | 62.81% | Middle third Ahead of 45% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.5M | $6.4M | Bottom third Ahead of 23% of peers |
| Loans to deposits Net loans and leases over total deposits. | 76.13% | 87.83% | Context |
What it means for lending operations
Its efficiency ratio of 67.21% is above the 62.81% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Sturgis Bank & Trust Company Sturgis, MI · $1.03B
- United Bank of Michigan Grand Rapids, MI · $1.06B
- First National Bank of Michigan Kalamazoo, MI · $989M
- Oxford Bank Oxford, MI · $931M
- Northstar Bank Bad Axe, MI · $1.16B
- First Independence Bank Detroit, MI · $875M
Questions about Superior National Bank
How big is Superior National Bank?
Superior National Bank, established in 1890, is headquartered in Hancock, MI. It reported $1.04B in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is Superior National Bank's return on assets?
1.17% annualized in Q2 2026, against a 1.26% median for 22 MI banks with half to twice its assets, ahead of 45% of them.
What is Superior National Bank's efficiency ratio?
67.21% in Q2 2026: it spent about 67 cents in noninterest expense for each dollar of revenue. The peer median is 62.81%, and lower is better.
Is Superior National Bank growing its loans?
Net loans grew 0.2% over the year to Q2 2026, while deposits grew 4.7%.
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.