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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 3,654th largest bank in the nation. It was established in 1910 and as of June of 2016, it had grown to 38 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
Employees38
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.2%
Return on Equity - YTD2.17%
Annual Interest Income$2.5MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$143.8MM$133.9MM
LoansQ2 2016vs Q2 2015$119.6MM$108.3MM
DepositsQ2 2016vs Q2 2015$117.5MM$103.4MM
Equity CapitalQ2 2016vs Q2 2015$12.8MM$12.5MM
Loan Loss AllowanceQ2 2016vs Q2 2015$1.1MM$1.0MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$645.00K$1.7MM
Real Estate OwnedQ2 2016vs Q2 2015$227.00K$556.00K
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