Bank · FDIC insured
Sturgis Bank & Trust
A $1B bank headquartered in Sturgis, MI, with 17 branches in Michigan. Best rates: CDs 4.26% APY.
Sturgis Bank & Trust Carrot Score
75
Carrot Score
Higher than 39% of U.S. banks and credit unions
#5 of 6 in Sturgis, MI metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Sturgis Bank & Trust
Sturgis Bank operates as a subsidiary of holding company Sturgis Bancorp, Inc., offering banking and financial solutions throughout southwest Michigan and beyond.
- Headquarters
- 113 E Chicago Rd, Sturgis, MI 49091
- FDIC certificate
- 28593 ↗
Branches
17 branches in Michigan
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Michigan
17 branches
Sturgis area · 6
- Sturgis Bank & Trust CompanyMain office113 E Chicago Rd, Sturgis, MI 49091Directions
- Centreville Banking Center158 W Main St, Centreville, MI 49032Directions
- Colon Banking Center110 S Blackstone Ave, Colon, MI 49040Directions
- Sturgis Banking Center1001 S Centerville Rd, Sturgis, MI 49091Directions
- Three Rivers Banking Center115 N Main St, Three Rivers, MI 49093Directions
- White Pigeon Banking Center122 W Chicago Rd, White Pigeon, MI 49099Directions
Kalamazoo area · 3
- Climax Banking Center125 N Main St, Climax, MI 49034Directions
- Portage Banking Center Branch1210 W Milham Ave, Portage, MI 49024Directions
- Portage Branch8025 Creekside Dr, Portage, MI 49024Directions
Niles area · 3
- Sturgis Bank & Trust Company Branch929 S 11th St, Niles, MI 49120Directions
- St Joseph Banking Center Branch320 Main St, St. Joseph, MI 49085Directions
- Sturgis Bank & Trust Company Branch3125 Cleveland Ave, St. Joseph, MI 49085Directions
South Haven area · 2
- South Haven (Center Street) Branch365 Center St, South Haven, MI 49090Directions
- South Haven Banking Center73881 M 43, South Haven, MI 49090Directions
Bangor area · 1
- Bangor Banking Center232 W Monroe St, Bangor, MI 49013Directions
Coldwater area · 1
- Bronson Banking Center863 W Chicago Rd, Bronson, MI 49028Directions
Battle Creek area · 1
- Marshall Banking Center Branch801 W Michigan Ave, Marshall, MI 49068Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.63% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.92% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.03% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $86 | $88 | — |
- CapitalLeverage ratio8.63%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.92%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.03%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$86Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Sturgis Bank & Trust are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.