Superior National Bank and Trust
- Company typePrivate
- Founded1890
- HeadquartersHancock, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
Superior National Bank and Trust firmographics
Firmographics- Name
- Superior National Bank and Trust
- Legal name
- Superior National Bank
- Website
- https://snb-t.com
- Company type
- Private
- Founded year
- 1890
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Ownership category
- akta.pro rank
Superior National Bank and Trust industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Mutual Savings Banks & Mutual Thrifts (FSABAEAD)
Keywords
Where Superior National Bank and Trust is headquartered
LocationHeadquarters
- HQ city
- Hancock
- HQ country
- United States
- HQ region
- North America
Offices10 records
Markets served
Superior National Bank and Trust business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others
Revenue model
- Interest Income: Traditional banking interest income from lending activities including personal loans, mortgages, commercial loans, and credit cards. The bank offers various loan products generating interest revenue.
- Deposit Account Fees: Monthly service fees, overdraft fees, and charges for various account services. The bank offers free checking options but charges fees for premium accounts and specific services.
- Treasury Management Fees: Fees for business services including ACH origination, wire transfers, Positive Pay, remote deposit capture, payroll processing, and merchant services.
- Trust and Wealth Management Services: Investment management fees, trust administration fees, estate administration services, and retirement planning services for personal and corporate clients.
- Credit Card Fees: Business credit cards issued through Elan Financial Services with annual fees and transaction fees.
- Safe Deposit Box Rental: Annual rental fees for safe deposit boxes available at multiple branch locations.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Superior Free Business Checking - No monthly fee, 1,000 free transactions |
| Subscription | Monthly | Superior Business Interest Checking - Interest-bearing with $10 monthly fee |
| Subscription | Monthly | Superior Commercial Checking - For complex banking needs |
| Subscription | Monthly | Superior Free Checking - Basic personal checking |
| Subscription | Monthly | Superior Interest Checking - Interest with balance requirement |
| Subscription | Monthly | Superior Personal Savings - Basic savings account |
| One time/ perpetual license | Pay-as-you-go | Business CDs - Long-term savings with higher rates |
| One time/ perpetual license | Pay-as-you-go | Personal CDs - Fixed-rate long-term savings |
| Subscription | Monthly | Overdraft Protection - Bounce Protection |
| Subscription | Annual | Overdraft Protection - Superior Line |
| Transaction based/ take rate | Pay-as-you-go | Wire Transfer Fees |
| Subscription | Annual | Safe Deposit Boxes |
Go-to-market motion1 record
Distribution channels9 records
Marketing channels9 records
Superior National Bank and Trust product offering
Product offeringCore offering
Superior National Bank and Trust is a community bank offering personal and business deposit accounts, consumer and commercial loans, treasury management, and trust and wealth management services. It operates 10 branches in Michigan's Upper Peninsula and Southeast Michigan, supplemented by a digital banking platform launched in September 2025.
Product overview
Superior National Bank offers a comprehensive suite of banking products organized into four main categories: Personal Banking (checking, savings, CDs, home loans, auto/recreational loans, personal loans, credit cards, debit cards), Business Banking (checking, savings, CDs, commercial loans, healthcare banking, treasury management services, merchant services, payroll services), Trust & Wealth Management (investment management, trust & estate administration, retirement planning, Infovisa Client Portal), and Digital Banking (online banking, mobile app, P2P payments, bill pay, card controls). The bank recently launched a new digital banking platform in September 2025 featuring enhanced mobile app, Zelle P2P payments, Greenlight family finance integration, expanded treasury management tools (ACH origination, Positive Pay, Remote Deposit Capture, wire transfers), and improved security features. The bank is also undergoing a merger with Range Financial/Range Bank expected to close Q4 2026 to form Superior Range Bank, N.A.
Differentiator
Problem solved
Functional benefit
Quantifiable outcome
- 5-Star Superior rating from BauerFinancial, the highest rating assigned
- +2 more outcomes
Companies that use Superior National Bank and Trust
Customer profileNamed customers7 records
Segments6 records
Ideal customer profiles5 records
Superior National Bank and Trust technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration13 records
Feature6 records
Superior National Bank and Trust partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and minor.
- Elan Financial ServicescoreElan Financial Services is the creditor and issuer of Superior National Bank's credit card products. This partnership enables SNB to offer Visa credit cards with various reward programs to both personal and business customers.
- GreenlightminorGreenlight is a family finance app providing kids with debit cards and parents with oversight tools. SNB customers can access Greenlight SELECT plan at no cost when linking their Superior National Bank account as the funding source.
- AllpointcoreAllpoint is an ATM network partnership providing Superior National Bank customers access to over 55,000 ATMs worldwide. SNB is a member of the Allpoint network.
- ZellecoreSNB partnered with Zelle, a trusted leader in person-to-person payments, to enable fast and easy money transfers. Available through online banking and mobile app.
- ApiturecoreApiture provides the digital banking platform infrastructure for SNB's new digital banking system launched in September 2025, including online and mobile banking capabilities.
- VisacoreVisa partnership enables SNB debit and credit cards accepted at millions of locations worldwide. Includes Verified by Visa 3D Secure for online fraud protection.
- MastercardcoreMastercard partnership enables debit card services. Greenlight cards are issued pursuant to license from Mastercard International.
Scale indicators18 records
Recent moves7 records
Expansion highlights6 records
Superior National Bank and Trust competitors and assessment
Company assessmentDirect peers
- Range Bank (Range Financial Corp.): Range Financial Corp. is the holding company for Range Bank, an Upper Peninsula and northern Wisconsin community bank that is the announced merger partner of Superior National Bank; service mix, deposit gathering, and commercial lending profile closely mirror SNB.
- Nicolet National Bank (Nicolet Bankshares): Green Bay-based community bank with overlapping Upper Peninsula and Wisconsin presence; competes directly with SNB for consumer, small-business, and commercial loans in the same northern U.S. geographies.
- Level One Bank: Michigan-chartered community bank headquartered in Farmington Hills offering deposit, treasury management, and commercial banking to businesses and consumers, directly competing with SNB's Southeast Michigan branches.
- Mercantile Bank Corporation: Grand Rapids-based Michigan community bank providing commercial lending, treasury management, and retail banking across the state; similar asset size and business mix to SNB and a direct competitor in SE Michigan.
- First National Bank of Michigan: Michigan-focused community bank offering personal and business banking, mortgages, and treasury management services; comparable deposit-and-loan model to SNB at similar scale.
Regional players
- Independent Bank Corporation: Michigan-headquartered community bank holding company operating across lower Michigan with similar deposit gathering and commercial lending focus; comparable peer for Southeast Michigan operations.
- Lake Michigan Credit Union: Michigan's largest credit union serving consumer and business members across the state with deposit, lending, and wealth products; competes with SNB for retail deposits, mortgages, and small-business relationships in overlapping geographies.
- TBA Financial (TBA Credit Union): Northern Michigan / Upper Peninsula-based credit union focused on consumer and small-business banking; competes with SNB in the same UP markets for retail deposits, mortgages, and small-business lending.
Broad incumbents
- Huntington Bancshares: Large regional bank with deep Midwest and Michigan franchise covering consumer, small-business, wealth, and commercial banking; competes with SNB for both consumer and middle-market commercial relationships.
- Flagstar Bank (New York Community Bancorp): Large Michigan-headquartered bank offering full consumer, commercial, and wealth services; a broad incumbent that overlaps with SNB's deposit, mortgage, and small-business banking categories.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Superior National Bank and Trust social profiles
Digital presenceSuperior National Bank and Trust compliance and trust
Trust signalCompliance2 records
Superior National Bank and Trust financial estimates
Financial estimateRevenue estimate
Valuation estimate
Superior National Bank and Trust leadership team
Management profileNumber of profiles
Profiles14 records
Superior National Bank and Trust funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Superior National Bank and Trust M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Superior National Bank and Trust
What does Superior National Bank and Trust do?
Superior National Bank and Trust is a community bank offering personal and business deposit accounts, consumer and commercial loans, treasury management, and trust and wealth management services. It operates 10 branches in Michigan's Upper Peninsula and Southeast Michigan, supplemented by a digital banking platform launched in September 2025.
Is Superior National Bank and Trust a public or private company?
Superior National Bank and Trust is a private company. It is classified as management employee owned and is currently operating.
When was Superior National Bank and Trust founded?
Superior National Bank and Trust was founded in 1890. It employs 101 to 250 people.
Where is Superior National Bank and Trust based?
Superior National Bank and Trust is headquartered in Hancock, United States, in the North America region.
How does Superior National Bank and Trust make money?
Six revenue lines are on record. Interest Income is the primary driver. The others are deposit Account Fees, treasury Management Fees, trust and Wealth Management Services, credit Card Fees and safe Deposit Box Rental.
Who are Superior National Bank and Trust's main competitors?
Direct peers on record are Range Bank (Range Financial Corp.), Nicolet National Bank (Nicolet Bankshares), Level One Bank, Mercantile Bank Corporation and First National Bank of Michigan. Regional players are Independent Bank Corporation, Lake Michigan Credit Union and TBA Financial (TBA Credit Union). Broad incumbents are Huntington Bancshares and Flagstar Bank (New York Community Bancorp).
Does Superior National Bank and Trust have an API?
No public API is recorded for Superior National Bank and Trust.
What industry is Superior National Bank and Trust in?
Superior National Bank and Trust's product category is Community Banking. Its primary akta.pro industry code is FSABAEAD, Mutual Savings Banks & Mutual Thrifts. Its NAICS code is 52211 and its SIC code is 6022.