Superior National Bank & Trust Company

Superior National Bank & Trust Company is headquartered in Hancock and is the 18^st largest bank in the state of Michigan. It is also the 1,285^th largest bank in the nation. It was established in 1890 and as of March of 2012, it had grown to 110 employees at 10 locations. Superior National Bank & Trust Company's CD rates are 22% higher than the national average, and it has a 4-star health rating.

Superior National Bank & Trust Company CD Rates

Superior National Bank & Trust Company IRA Rates

Data for Q1 2012

Institution Statistics Superior National Bank & Trust Company FDIC Certificate # 5058 BankRate Report View Year Established 1890 Employees 110 Primary Regulator OCC Assets and Liabilities Assets $527.55 million Loans $282.98 million Deposits $458.54 million Equity Capital $58.53 million Loan Loss Allowance $4.66 million Unbacked Noncurrent Loans $9.87 million Real Estate Owned $1.89 million Historic Data - March 2011 Assets $483.14 million Equity Capital $51.22 million Loan Loss Allowance $4.21 million Unbacked Noncurrent Loans $7.75 million Real Estate Owned $1.73 million Profit Margin - Quarterly Net Interest Margin 3.34% Return on Assets 1.11% Return on Equity 9.96% Interest Income $5.63 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Superior National Bank & Trust Company had $11.76 million in non-current loans and owned real-estate with $63.18 million in equity and loan loss allowances on hand to cover it. This gives Superior National Bank & Trust Company a Texas Ratio of 18.61% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Superior National Bank & Trust Company held steady from 17.11% as of March 31, 2011 to 18.61% as of March 31, 2012, resulting in a negative change of 8.74%. This indicates that the balance sheet and financial strength for Superior National Bank & Trust Company has held steady in recent periods. Deposit Growth In the past year, Superior National Bank & Trust Company has increased its total deposits by $51.25 million, resulting in 12.58% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Superior National Bank & Trust Company has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Superior National Bank & Trust Company has $527.54 million in assets with $63.18 million in equity, resulting in a capitalization level of 11.98%, which is above average.

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