BDI
SS

Sidney State Bank

Sidney, MichiganFDIC Cert #17232

STATEEstablished 19213 branches

Holding company: SIDNEY BCORPRegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
1.14%
+107.6%y/y
Peer standing31st percentile
Peer standing in asset:100m_300m
FDICP3ASSET + LNLSGR
90+ %
0.00%
Peer standing41st percentile
Peer standing in asset:100m_300m
FDICP9ASSET + LNLSGR
Nonaccrual %
0.01%
−68.2%y/y
Peer standing75th percentile
Peer standing in asset:100m_300m
FDICNAASSET + LNLSGR
Noncurrent %
0.01%
−58.7%y/y
Peer standing81st percentile
Peer standing in asset:100m_300m
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.08%
−19.7%y/y
Peer standing69th percentile
Peer standing in asset:100m_300m
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$118K
−20.3%y/y
Peer standing71st percentile
Peer standing in asset:100m_300m
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
−0.02%
+77.1%y/y
Peer standing88th percentile
Peer standing in asset:100m_300m
FDICNTLNLS + LNLSGR
NCO
−$4K
+76.5%y/y
Peer standing88th percentile
Peer standing in asset:100m_300m
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.59%
+11.5%y/y
Percentile by value81st percentileby value
Peer standing in asset:100m_300m
FDICLNATRES + LNLSGR
30–89
$1.09M
+110.9%y/y
Peer standing36th percentile
Peer standing in asset:100m_300m
FDICP3ASSET
90+
$3K
Peer standing41st percentile
Peer standing in asset:100m_300m
FDICP9ASSET
Nonaccrual
$10K
−67.7%y/y
Peer standing74th percentile
Peer standing in asset:100m_300m
FDICNAASSET