Kalamazoo County State Bank: how it compares with its peers
Against 18 MI banks with half to twice its assets, Kalamazoo County State Bank's strongest measure in Q2 2026 is net interest margin (4.42% vs. a 4.02% peer median). Its weakest relative measure is assets per employee ($3.5M vs. $5.2M).
| Measure | Kalamazoo County State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.54% | 0.99% | Bottom third Ahead of 17% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.42% | 4.02% | Top third Ahead of 67% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 83.26% | 70.24% | Bottom third Ahead of 22% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.5M | $5.2M | Bottom third Ahead of 6% of peers |
| Loans to deposits Net loans and leases over total deposits. | 57.67% | 75.60% | Context |
What it means for lending operations
Its efficiency ratio of 83.26% is above the 70.24% 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
- Blissfield State Bank Blissfield, MI · $115M
- G. W. Jones Exchange Bank Marcellus, MI · $123M
- Community Unity Bank Birmingham, MI · $107M
- The Miners State Bank Iron River, MI · $135M
- Sidney State Bank Sidney, MI · $139M
- Huron State Bank Rogers City, MI · $95M
Questions about Kalamazoo County State Bank
How big is Kalamazoo County State Bank?
Kalamazoo County State Bank, established in 1908, is headquartered in Schoolcraft, MI. It reported $118M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Kalamazoo County State Bank's return on assets?
0.54% annualized in Q2 2026, against a 0.99% median for 18 MI banks with half to twice its assets, ahead of 17% of them.
What is Kalamazoo County State Bank's efficiency ratio?
83.26% in Q2 2026: it spent about 83 cents in noninterest expense for each dollar of revenue. The peer median is 70.24%, and lower is better.
Is Kalamazoo County State Bank growing its loans?
Net loans grew 11.3% over the year to Q2 2026, while deposits shrank 2.6%.
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.