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Regulatory profile
Coldwater, MI · FDIC certificate #5019 · RSSD 822042
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 | $1.7B | $1.4B | $1.3B | 0.85% | 9.43% | 3.48% |
| 2026-03-31 | $1.7B | $1.4B | $1.3B | 0.85% | 9.57% | 3.35% |
| 2025-12-31 | $1.7B | $1.4B | $1.3B | 0.91% | 10.25% | 3.32% |
| 2025-09-30 | $1.7B | $1.4B | $1.2B | 0.93% | 10.54% | 3.32% |
| 2025-06-30 | $1.6B | $1.3B | $1.2B | 0.96% | 10.83% | 3.34% |
| 2025-03-31 | $1.6B | $1.3B | $1.1B | 0.93% | 10.55% | 3.20% |
| 2024-12-31 | $1.5B | $1.3B | $1.1B | 0.80% | 9.14% | 3.12% |
| 2024-09-30 | $1.5B | $1.3B | $1.1B | 0.79% | 8.99% | 3.09% |
| 2024-06-30 | $1.5B | $1.2B | $1.1B | 0.79% | 9.08% | 3.09% |
| 2024-03-31 | $1.5B | $1.2B | $1.0B | 0.81% | 9.38% | 3.10% |
| 2023-12-31 | $1.4B | $1.2B | $1.0B | 0.93% | 11.03% | 3.29% |
| 2023-09-30 | $1.4B | $1.2B | $1.0B | 0.97% | 11.69% | 3.28% |
| 2023-06-30 | $1.4B | $1.2B | $1.0B | 0.97% | 11.57% | 3.32% |
| 2023-03-31 | $1.3B | $1.1B | $0.9B | 1.03% | 12.09% | 3.42% |
| 2022-12-31 | $1.3B | $1.1B | $0.9B | 1.19% | 13.17% | 3.52% |
| 2022-09-30 | $1.2B | $1.1B | $0.8B | 1.18% | 12.80% | 3.42% |
| 2022-06-30 | $1.2B | $1.0B | $0.8B | 1.13% | 11.89% | 3.29% |
| 2022-03-31 | $1.2B | $1.1B | $0.8B | 1.06% | 10.97% | 3.12% |
| 2021-12-31 | $1.2B | $1.0B | $0.7B | 1.16% | 11.40% | 3.40% |
| 2021-09-30 | $1.1B | $1.0B | $0.7B | 1.21% | 12.06% | 3.38% |
| 2021-06-30 | $1.1B | $1.0B | $0.7B | 1.21% | 12.20% | 3.29% |
| 2021-03-31 | $1.1B | $0.9B | $0.6B | 1.22% | 12.79% | 3.35% |
Ownership, transformations and revisions
NIC relationships are time-bounded. Reviewed filing revisions remain distinct from mergers.
Unmatched RSSD entityRSSD 1207824 · 1982-11-08 to current
2009-04-25RSSD 342643 → 822042 · code 1
1969-04-01RSSD 982245 → 822042 · code 1
1965-09-01RSSD 143541 → 822042 · 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.