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Overview / Commentary
2301 West Big Beaver Road
Troy, MI 48084

Talmer Bank and Trust is headquartered in Troy and is the 3rd largest bank in the state of Michigan. It is also the 197th largest bank in the nation. It was established in 2007 and as of March of 2014, it had grown to 1,397 employees at 89 locations. Talmer Bank and Trust has a B+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Talmer Bank and Trust had $144.11 million in non-current loans and owned real-estate with $602.14 million in equity and loan loss allowances on hand to cover it. This gives Talmer Bank and Trust a Texas Ratio of 23.93% 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 Talmer Bank and Trust decreased slightly from 32.95% as of March 31, 2013 to 23.93% as of March 31, 2014, resulting in a positive change of 27.38%.This indicates that the balance sheet and financial strength for Talmer Bank and Trust has improved slightly in recent periods.

Deposit Growth


In the past year, Talmer Bank and Trust has increased its total deposits by $1.73 billion, resulting in 93.11% 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 Talmer Bank and Trust has shown is excellent.



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. Talmer Bank and Trust has $4.44 billion in assets with $602.14 million in equity, resulting in a capitalization level of 13.57%, which is excellent.

Institution Statistics

FDIC Certificate #58132
Year Established2007
Primary RegulatorFDIC
Assets and Liabilities
Assets$4.44 billion
Loans$3.11 billion
Deposits$3.58 billion
Equity Capital$541.44 million
Loan Loss Allowance$60.70 million
Unbacked Noncurrent Loans$144.11 million
Real Estate Owned$0
Historic Data - March 2013
Assets$2.24 billion
Equity Capital$261.40 million
Loan Loss Allowance$59.95 million
Unbacked Noncurrent Loans$144.11 million
Real Estate Owned$2.34 million
Profit Margin - Quarterly
Net Interest Margin4.03%
Return on Assets0.06%
Return on Equity0.45%
Interest Income$41.70 million

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Talmer Bank and Trust Savings Account Rates

0.30%$250k-IRA Savings
0.30%$250k-Roth IRA Savings
0.30%$250k-SEP IRA Savings
0.05%--Holiday Savings
0.05%--Health Savings Account (HSA)
0.05%--Kids Club Savings
0.05%--Classic Savings
0.05%--Business Savings

Talmer Bank and Trust Money Market Rates

0.20%$50k-Personal Money Market
0.20%$50k-Business Money Market

Talmer Bank and Trust Checking Account Rates

0.25%$50k-Platinum NOW Checking
0.10%--iBusiness Checking
0.05%--Classic NOW Checking

Talmer Bank and Trust CD Rates

1.15%--60-71 Month CD
1.15%--72 Month CD
1.15%--Business 60-71 Month CD
1.15%--Business 72 Month CD
0.80%--48-59 Month CD
0.80%--Business 48-59 Month CD
0.65%--36-47 Month CD
0.65%--Business 36-47 Month CD
0.50%-$100k30-35 Month CD
0.50%-$100kBusiness 30-35 Month CD
0.40%--24-29 Month CD
0.40%--Business 24-29 Month CD
0.30%$100k-20 Month CD
0.30%$100k-Business 20 Month CD
0.25%--18-23 Month CD
0.25%--Business 18-23 Month CD
0.20%--12-17 Month CD
0.20%--Business 12-17 Month CD
0.15%$100k-7-31 Day CD
0.15%--32-89 Day CD
0.15%--90-179 Day CD
0.15%--180-364 Day CD
0.15%$100k-Business 7-31 Day CD
0.15%--Business 32-89 Day CD
0.15%--Business 90-179 Day CD
0.15%--Business 180-364 Day CD

Talmer Bank and Trust IRA Rates

1.15%--60-71 Month IRA
1.15%--72 Month IRA
0.80%--48-59 Month IRA
0.65%--36-47 Month IRA
0.50%-$100k30-35 Month IRA
0.40%--24-29 Month IRA
0.30%$100k-20 Month IRA
0.25%--18-23 Month IRA
0.20%--12-17 Month IRA
0.15%$100k-7-31 Day IRA
0.15%--32-89 Day IRA
0.15%--90-179 Day IRA
0.15%--180-364 Day IRA

Talmer Bank and Trust has 45 locations. Click to view all Talmer Bank and Trust locations.