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Regulatory profile
Sparta, MI · FDIC certificate #1014 · RSSD 324340
Performance workbook
Open the interactive workbook to compare reported quarterly history with national, asset-band and state peers.
Peer interpretation
$1B–$10B asset cohort · 902 institutions
Deterministic peer comparison, not a regulatory rating or diagnosis. “Opportunity” means lower favorable percentile within this asset cohort.
Reported performance
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-06-30 | $4.5B | $3.6B | $3.0B | 1.24% | 10.68% | 3.75% |
| 2026-03-31 | $4.4B | $3.7B | $3.0B | 1.30% | 11.26% | 3.76% |
| 2025-12-31 | $4.4B | $3.6B | $3.0B | 0.79% | 7.17% | 3.89% |
| 2025-09-30 | $4.3B | $3.6B | $2.9B | 0.58% | 5.35% | 3.89% |
| 2025-06-30 | $4.3B | $3.6B | $2.9B | 0.11% | 1.03% | 3.78% |
| 2025-03-31 | $4.3B | $3.7B | $2.9B | -1.36% | -13.13% | 3.40% |
| 2024-12-31 | $2.7B | $2.3B | $1.5B | 1.09% | 12.19% | 3.14% |
| 2024-09-30 | $2.7B | $2.2B | $1.5B | 1.07% | 12.14% | 3.12% |
| 2024-06-30 | $2.6B | $2.1B | $1.4B | 0.99% | 11.33% | 3.00% |
| 2024-03-31 | $2.7B | $2.2B | $1.4B | 0.91% | 10.73% | 2.84% |
| 2023-12-31 | $2.6B | $2.1B | $1.4B | 0.93% | 11.46% | 2.99% |
| 2023-09-30 | $2.6B | $2.1B | $1.3B | 0.94% | 11.75% | 3.02% |
| 2023-06-30 | $2.5B | $2.1B | $1.3B | 0.98% | 12.12% | 3.08% |
| 2023-03-31 | $2.4B | $2.1B | $1.2B | 1.00% | 12.50% | 3.20% |
| 2022-12-31 | $2.4B | $2.1B | $1.2B | 1.07% | 12.61% | 3.19% |
| 2022-09-30 | $2.4B | $2.2B | $1.1B | 1.03% | 12.06% | 3.16% |
| 2022-06-30 | $2.4B | $2.2B | $1.1B | 1.02% | 11.45% | 3.09% |
| 2022-03-31 | $2.4B | $2.2B | $1.0B | 1.01% | 10.70% | 3.07% |
| 2021-12-31 | $2.4B | $2.1B | $1.1B | 1.04% | 9.69% | 3.12% |
| 2021-09-30 | $2.3B | $2.0B | $1.0B | 1.09% | 9.97% | 3.16% |
| 2021-06-30 | $2.1B | $1.9B | $1.0B | 1.10% | 9.89% | 3.17% |
| 2021-03-31 | $2.1B | $1.8B | $1.1B | 1.18% | 10.56% | 3.27% |
| 2020-12-31 | $1.9B | $1.7B | $1.1B | 1.03% | 8.22% | 3.28% |
| 2020-09-30 | $1.6B | $1.4B | $1.0B | 1.21% | 9.12% | 3.61% |
| 2020-06-30 | $1.5B | $1.3B | $1.0B | 1.16% | 8.63% | 3.61% |
Ownership, transformations and revisions
NIC relationships are time-bounded. Reviewed filing revisions remain distinct from mergers.
Unmatched RSSD entityRSSD 1139297 · 1987-04-06 to current
2025-03-15RSSD 602048 → 324340 · code 1
2020-10-17RSSD 2735324 → 324340 · code 1
2020-05-16RSSD 184142 → 324340 · code 1
2009-01-01RSSD 2803139 → 324340 · code 1
2006-12-08RSSD 268846 → 324340 · code 1
No reviewed revisions published.
Latest registered batch · retrieved 8/27/2026, 10:51:00 AM · SHA-256 56519b9e6ae2ada5757ec111f52c6451d5e31d6d47a52fdcf0bf38acf129fcaa · source ↗
Put it in context
Use consistent definitions, then verify material findings against the official filing.