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Sturgis Bank & Trust Company


Sturgis Bank & Trust Company is an FDIC insured institution headquartered at 113 E Chicago Rd, Sturgis, MI 49091.
It was founded in 1905 and has approximately $1 billion in assets. Customers can open an account at one of its 12 branches.

Deposit Rates - March 23, 2026

SAVINGS RATES APY MIN
Savings
0.02% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.10% $10,000 Compare
6 Mo CD
0.10% $100,000 Compare
Special: 11 Mo CD
0.45% $5,000 Compare
12 Mo CD
0.25% $10,000 Compare
12 Mo CD
0.25% $100,000 Compare
24 Mo CD
0.35% $10,000 Compare
24 Mo CD
0.35% $100,000 Compare
36 Mo CD
0.45% $10,000 Compare
36 Mo CD
0.45% $100,000 Compare
48 Mo CD
0.55% $10,000 Compare
48 Mo CD
0.55% $100,000 Compare
Special: 54 Mo CD
0.65% $5,000 Compare
60 Mo CD
0.75% $10,000 Compare
60 Mo CD
0.75% $100,000 Compare
MM RATES APY MIN
Money Market
0.05% $2,500 Compare
Money Market
0.10% $10,000 Compare
Money Market
0.20% $25,000 Compare
FIXED IRA RATES APY MIN
Special: 11 Mo FIRA
0.45% $5,000
Special: 54 Mo FIRA
0.65% $5,000
INT CHECKING RATES APY MIN
Int Ckg
0.02% $2,500




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 28593
Date Established 1905
Assets $ 998.25 million
Loans $ 787.02 million
Deposits $ 894.88 million
Capital $ 75.32 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 45.99 million
Interest-bearing balances $ 33.91 million
Total securities $ 95.60 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 787.02 million
Loan loss allowance $ 9.27 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.49 million
Goodwill and other intangibles $ 8.96 million
All other assets $ 34.41 million
     Total Assets $ 922.93 million

LIABILITIES
Total deposits $ 894.88 million
      Interest-bearing deposits $ 731.57 million
      Deposits held in domestic offices $ 894.88 million
      % insured (estimated)" 57.72%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 25.00 million
Subordinated debt N.A.
All other liabilities $ 6.36 millionn
      Total Liabilities $ 922.93 million
      Shareholders’ Equity $ 75.32 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 37.07 million
Total Interest Expense $ 12.26 million
Net interest income $ 24.81 million
Provision for loan and lease losses N.A.
Total non interest income $ 6.63 million
Total non interest expense $ 23.51 million
Pre-tax Net Operating Income $ 3.89 million

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