The Miners State Bank

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LOCATIONS

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

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Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

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Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

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Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

4.30%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

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Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

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Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

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Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.msbir.com

877-906-5131

312 West Genesee Street
Iron River, MI 49935

The Miners State Bank is headquartered in IRON RIVER and is the 60^th largest bank in the state of Michigan. It is also the 3,452^nd largest bank in the nation. It was established in 1932 and as of March of 2025, it had grown to 33 employees at 6 locations. The Miners State Bank has an A health rating.

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Health

Data as of Q1 2025

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Health Grade Components

Overall
FDIC Certificate #	10928
Year Established	1932
Employees	33
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.84%
Return on Equity - YTD	8.41%
Annual Interest Income	$1.6MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$141.8MM$138.5MM
Loans	Q1 2025vs Q1 2024	$90.5MM$92.3MM
Deposits	Q1 2025vs Q1 2024	$125.8MM$121MM
Equity Capital	Q1 2025vs Q1 2024	$14.2MM$13.7MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$903K$849K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$353K$1.1MM
Real Estate Owned	Q1 2025vs Q1 2024	$615K$309K

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

4.30%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Locations

The Miners State Bank Locations
Houghton Branch	1203 Ridge Road	Houghton, MI 49931
The Miners State Bank	312 W Genesee St	Iron River, MI 49935
South Range Branch	47 Trimountain Avenue	South Range, MI 49963
Ripley Branch	49011 N Royce Rd	Hancock, MI 49930
Ontonagon	601 River Street	Ontonagon, MI 49953

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