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Overview / Commentary
800-922-5221
321 Main Street
Saint Joseph, MI 49085

Edgewater Bank is headquartered in Saint Joseph and is the 74th largest bank in the state of Michigan. It is also the 3,512th largest bank in the nation. It was established in 1910 and as of September of 2016, it had grown to 35 employees at 5 locations. Edgewater Bank has an A health rating.

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Health
A

Health Grade Components

Overall
FDIC Certificate #29981
Year Established1910
Employees35
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.31%
Return on Equity - YTD3.42%
Annual Interest Income$3.9MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$154.1MM$131.8MM
LoansQ3 2016vs Q3 2015$121.0MM$109.6MM
DepositsQ3 2016vs Q3 2015$125.3MM$104.8MM
Equity CapitalQ3 2016vs Q3 2015$13.0MM$12.6MM
Loan Loss AllowanceQ3 2016vs Q3 2015$1.2MM$1.1MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$888.00K$1.6MM
Real Estate OwnedQ3 2016vs Q3 2015$276.00K$262.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Edgewater Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$250k*-Business Tiered Savings
OTHER TIERS: 0.05% Up to $25k | 0.15% $25k - $75k | 0.35% $75k - $250k
0.15%--Christmas Club
0.10%--Statement Savings
0.10%$200-Business Statement Savings

Edgewater Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%$2,500-High Yield Money Market
0.25%*$25k*-Money Market Savings
OTHER TIERS: 0.10% Up to $2,500 | 0.20% $2,500 - $25k
0.20%*$25k*-Money Market Checking
OTHER TIERS: 0.05% Up to $2,500 | 0.15% $2,500 - $25k
0.20%*$25k*-Business Money Market
OTHER TIERS: 0.05% Up to $2,500 | 0.15% $2,500 - $25k

Edgewater Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.80%*$250k*-Non-Profit NOW Account
OTHER TIERS: 0.10% Up to $25k | 0.15% $25k - $100k | 0.60% $100k - $250k
0.80%*$250k*-Public Fund Checking
OTHER TIERS: 0.10% Up to $25k | 0.15% $25k - $100k | 0.60% $100k - $250k
0.20%*$50k*-The Edge Checking Account
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $25k | 0.15% $25k - $50k
0.05%$50-Interest Checking
0.05%$50-Business NOW Account
0.05%--Senior Checking

Edgewater Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.41%$500-54 Month Certificate Special w/ Edgewater Checking Account
1.26%$500-54 Month Certificate Special
1.16%$500-30 Moth CD Special w/ Edgewater Checking
1.10%$500-60 Month CD
1.01%$500-30 Month CD Special
0.90%$500-48 Month CD
0.80%$500-36 Month CD
0.55%$500-24 Month CD
0.50%$500-18 Month CD
0.40%$1k-9 Month CD
0.40%$500-12 Month CD
0.40%$500-15 Month CD
0.25%$500-182 Day CD
0.15%$500-3 Month CD

Edgewater Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.11%$500-60 Month IRA
0.90%$500-48 Month IRA
0.80%$500-36 Month IRA
0.55%$500-24 Month IRA
0.50%$500-18 Month IRA
0.40%$1k-9 Month IRA
0.40%$500-12 Month IRA
0.40%$500-15 Month IRA
0.25%$500-182 Day IRA
0.15%$500-3 Month IRA
Locations


Edgewater Bank Locations
167 Paw Paw Branch167 Paw PawColoma, MI 49038
Edgewater Bank321 Main StreetSaint Joseph, MI 49085
Hollywood Road Branch4097 Hollywood RoadSaint Joseph, MI 49085
4509 Lake Street Branch4509 Lake StreetBridgman, MI 49106
720 East Front Street Branch720 East Front StreetBuchanan, MI 49107