$1.05B
+5.6%y/y
Percentile by value7th percentileby value
FDIC
ASSETSB
Superior National Bank
Hancock, MichiganFDIC Cert #5058
OCCEstablished 189010 branches
Holding company: KEWEENAW FINANCIAL CORPRegulator: OCC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportSuperior National Bank reported $1.05B in total assets. Deposits grew 5.18% over the prior year.
Return on assets was 1.08%, compared with an asset-peer median of 1.16%. The leverage ratio was 11.57%.
- Why is Total Assets below asset peers?
- Why is CRE Concentration to Capital below asset peers?
- Why is Noncurrent Loan Ratio below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$887M
+5.2%y/y
Percentile by value8th percentileby value
FDIC
DEP$652M
+0.9%y/y
Percentile by value9th percentileby value
FDIC
LNLSNET1.08%
+41 bpsy/y
Peer standing43rd percentile
FDIC
NETINC + ROA69.46%
−952 bpsy/y
Peer standing28th percentile
FDIC
NONIX + NIM + NONII + EEFFR11.57%
+26 bpsy/y
Peer standing70th percentile
FDIC
RBC1AAJPercentiles compare this bank with 629 banks from $1 billion to $3 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $1.02B | $897M |
| Q3 2021 | $1.08B | $950M |
| Q4 2021 | $1.07B | $945M |
| Q1 2022 | $1.04B | $929M |
| Q2 2022 | $1.01B | $898M |
| Q3 2022 | $1.02B | $919M |
| Q4 2022 | $1.04B | $882M |
| Q1 2023 | $1.04B | $914M |
| Q2 2023 | $1.02B | $863M |
| Q3 2023 | $1.04B | $902M |
| Q4 2023 | $1.02B | $866M |
| Q1 2024 | $1.02B | $850M |
| Q2 2024 | $1.01B | $837M |
| Q3 2024 | $1.05B | $860M |
| Q4 2024 | $996M | $844M |
| Q1 2025 | $997M | $843M |
| Q2 2025 | $1B | $842M |
| Q3 2025 | $1.04B | $877M |
| Q4 2025 | $1.03B | $867M |
| Q1 2026 | $1.05B | $887M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $90.3M |
| Investor CRE | $81.5M |
| Multifamily | $29.5M |
| Construction | $43.7M |
| 1–4 family | $283M |
| C&I | $73.8M |
| Agriculture | $546K |
| Other | $57.1M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.08%43rd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.47%Median 1.16%90th 2.03%Observations 629
ROE
FDIC
NETINC + ROE9.61%35th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.37%Median 11.64%90th 19.98%Observations 629
NIM
FDIC
NIM + NIMY3.76%56th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.81%Median 3.64%90th 4.58%Observations 630
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR69.46%28th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 45.28%Median 61.40%90th 80.08%Observations 629
Deposits YoY
FDIC
DEP+5.18%53rd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.50%Median +4.71%90th +17.76%Observations 624
Loans YoY
FDIC
LNLSNET+0.92%21st percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.84%Median +5.89%90th +17.13%Observations 623
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.47%53rd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.52%90th 1.91%Observations 623
Leverage
FDIC
RBC1AAJ11.57%70th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.85%Median 10.50%90th 14.46%Observations 630
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.21%75th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.77%Median 2.61%90th 3.65%Observations 624
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC120%14th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 88%Median 225%90th 349%Observations 464
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.08%47th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.47%Median 1.20%90th 2.05%Observations 74
ROE
FDIC
NETINC + ROE9.61%36th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.07%Median 11.62%90th 20.23%Observations 74
NIM
FDIC
NIM + NIMY3.76%34th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.19%Median 4.01%90th 4.82%Observations 74
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR69.46%44th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 49.32%Median 65.83%90th 84.30%Observations 74
Deposits YoY
FDIC
DEP+5.18%65th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.40%Median +2.76%90th +16.75%Observations 72
Loans YoY
FDIC
LNLSNET+0.92%19th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.75%Median +7.31%90th +23.45%Observations 71
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.47%54th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.03%Median 0.52%90th 1.58%Observations 71
Leverage
FDIC
RBC1AAJ11.57%67th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.66%Median 10.18%90th 14.60%Observations 74
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.21%45th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.16%Median 2.11%90th 3.32%Observations 72
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC120%37th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 51%Median 153%90th 289%Observations 47
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.08%60th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.85%Median 1.05%90th 1.28%Observations 11
ROE
FDIC
NETINC + ROE9.61%20th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 9.57%Median 11.66%90th 15.04%Observations 11
NIM
FDIC
NIM + NIMY3.76%40th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.35%Median 3.76%90th 4.24%Observations 11
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR69.46%40th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 61.21%Median 67.44%90th 82.39%Observations 11
Deposits YoY
FDIC
DEP+5.18%50th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th +0.44%Median +5.18%90th +13.83%Observations 11
Loans YoY
FDIC
LNLSNET+0.92%0th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +0.93%Median +11.92%90th +14.81%Observations 11
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.47%70th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.28%Median 0.81%90th 1.50%Observations 11
Leverage
FDIC
RBC1AAJ11.57%100th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.62%Median 8.98%90th 10.17%Observations 11
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.21%70th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 2.11%Median 2.46%90th 3.21%Observations 11
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC120%20th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 95%Median 173%90th 296%Observations 6
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 10 branches
- Headquarters
- Hancock, MI
FDIC
OFFDOMOpen the Michigan dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data