2 0 2 2 A N N U A L R E P O R T
B U I L D I N G U P O N
BETTER
Dear Shareholders:
I am proud to report another year of strong
profitability, record loan growth, and robust asset
quality, despite a complex operating environment
characterized by rising interest rates, slowing residential
mortgage demand, and growing economic uncertainty.
Our performance in 2022 also reflects the December
2021 acquisition of Farmers State Bank of Munith (FSB),
which added approximately $105 million in assets and
expanded Fentura’s presence in Munith, Stockbridge,
and Grass Lake, Michigan. Overall, Fentura’s 2022
financial and operating results are encouraging and
demonstrate the success of the strategies we are
pursuing to grow our Bank by creating sustained value
for our employees, customers, and shareholders.
Fentura experienced robust growth in 2022 as total
assets increased by $271.1 million, or 19.1% to a
record of $1.7 billion. Net interest income increased
18.7% to an annual record of $52.5 million as a result
of asset growth and a nine basis-point increase in our
net interest margin. Our larger scale, the benefits of the
FSB acquisition, and a continuous focus on operating
efficiencies helped partially offset a significant reduction
in noninterest income, after historically high residential
mortgage demand in 2020 and 2021. In fact, despite a
$4.2 million, or 29.8% year-over-year decline in annual
noninterest income, net income was down by $1.6
million, or 9.9% and we ended the year with net income
of $14.9 million, or $3.38 per share. We also ended 2022
with record total shareholders’ equity of $126.1 million.
As an independent community bank, we were founded to
serve the needs of our neighbors and friends, and since
1898 we have remained committed to establishing
a foundation of trust within our communities. Our
community banking values drive our success as we look
to partner with our customers by providing local financial
solutions that answer every customer’s individual
needs. As a result, we continue to focus on growing our
footprint and during 2022, we began promoting The
State Bank’s products and services across the three
locations associated with the FSB acquisition. In 2022,
we also opened a new loan production office in Bay City,
which is our first location in Bay County, Michigan.
It is also vital that we stay attuned to the needs and
aspirations of our customers. That is why we have
invested in technology and innovation to provide our
customers with more convenient and efficient banking
solutions. During the first quarter of 2022, we
implemented a new, modern digital banking platform.
Key enhancements of the platform to retail customers
included money management and aggregation solutions,
authorized user status, smartwatch integration, and
advanced credit score monitoring. Several additional
updates are planned for 2023 including the ability to send
personal wire transfers. Our business and commercial
customers now have enhanced security functionality
including user management and authentication tools.
Our longstanding approach to create solutions for our
customers that allow them to overcome barriers and
reach their financial goals helped us grow gross loans by
$336.1 million, or 30.6% to a record $1.4 billion.
As The State Bank
celebrates its
125th anniversary,
I am proud of the
strong position
of our Bank.
Growth was led by commercial and residential loan
demand. Importantly, asset quality remains excellent,
even as loans increased significantly during 2022.
At December 31, 2022, we had no accruing loans
past due 90 days or more and total nonperforming
assets were 0.15% of total assets, compared to
0.17% at December 31, 2021. While we continue
to see strong demand for loans, in 2023 we are
focused on maintaining robust asset quality,
controlling expenses and driving profitability.
for Credit Counseling, the National Diversity Council,
and has served local organizations including the United
Way of Washtenaw County. Debra is the Chief Operating
Officer of Neighborhood Service Organization, a
comprehensive community-based integrated health and
human services organization headquartered in Detroit
and is also the President of Williams Collaborative, a
consultancy company that provides customized strategy,
talent, and culture solutions. As you can see, Mark,
Kristen, and Debra align with the vision and mission of
our organization by bringing tremendous professional
experience and community involvement to Fentura. I
look forward to their contributions to the Bank.
Finally, we remain committed to returning capital
back to shareholders and during 2022 we increased
our dividend by 12.5%, representing the fifth
consecutive year we have increased our annual
dividend. In January 2023, we increased our regular
quarterly dividend by an additional 11.1% to $0.10
per share. We also invested $2.4 million during 2022
to repurchase 86,461 shares of our common stock.
Our 2022 results demonstrate a compelling legacy of
strong operating and financial performance as we work
hard to support our mission, vision, and core values. I
am proud of our recent performance and excited for
the future as we remain focused on supporting our
communities and creating value for our shareholders.
As always, thank you for your continued support.
Warmly,
Ronald L. Justice
President and CEO
The rapid increase in interest rates has caused growing
competition for deposits and The State Bank, like
many financial institutions, experienced significant
pressure to attract and retain deposits. Despite these
trends, deposits at December 31, 2022 increased year-
over-year by 8.5% to $1.3 billion, driven primarily by
growth in interest-bearing accounts. As we look to
2023, we have a number of strategic initiatives in place
to continue growing deposits in our core markets. We
are also focused on maintaining a flexible capital
structure to support growth. At December 31,
2022, we had total liquidity sources of $334.5 million
and total investment securities of $125.0 million.
As The State Bank celebrates its 125th anniversary
in 2023, I am proud of the strong position of our Bank.
According to the FDIC’s June 2022 Deposit Market
Share report, The State Bank was the 22nd largest
bank in the state of Michigan and one of the largest
independent Michigan-based community banks in
the state. Our Bank was also named to the American
Banker’s Top 200 Publicly Traded Banks for the fifth
consecutive year, as we continually produce strong
returns. Additionally, the Bank was named the 2022
#1 Michigan-Based Community Bank SBA Lender by
the Small Business Administration, which reflects our
commitment to support local small businesses and
represents the third consecutive year we have assumed
the top spot. To celebrate our 125th anniversary
and recent accomplishments, The State Bank will be
hosting events across our markets throughout 2023.
The Company understands the importance of strong
corporate governance, and we continue to proactively
work with our advisors to identify potential governance
enhancements that we may implement in the future.
In addition, refreshing our Board with experienced
individuals that reflect the diverse makeup and
values of our local communities is an important
initiative. As a result, Fentura Financial and The State
Bank appointed three new directors in August 2022
including Mark Bole, Kristen Holt, and Debra Williams.
Mark is the Global Chief Administrative Officer and
President of International Operations for GM Financial
and has been involved in Junior Achievement of
Southeastern Michigan and Cass Community Social
Services. Kristen is the President and Chief Executive
Officer of GreenPath Financial Wellness, the nation’s
largest national financial wellness company, and
currently serves on the board of the National Foundation
PRESIDENT & CEO
REPORT
1
Building Upon
BETTER
2022 was a year to build upon our commitment to families,
businesses, communities, and our shareholders. Our customers
deserve the best of everything from their bank and for the past
year, we have focused on just that. We offered our customers
the best of innovative financial tools, financial education,
access to experts in home-buying, business lending, planning
for retirement, and making the most of their money. We dug
deep into our communities to give back and get involved. Our
employees made great commitments to serve inside our lobbies
and outside in the areas where they both live and work.
Our shareholders deserve the best of our efforts as well. This year
we were once again able to increase book value per share to $28.40.
As a bank, our vision is to be a community bank known
for helping our customers look past obstacles or limiting
perspectives to see what’s possible. Our passion for service and
sophistication is unique in our space and truly provides us the
opportunity to build upon the best in community banking.
BUILDING UPON
BETTER
2
A BETTER STATE
OF DIGITAL BANKING
In January 2022 we introduced our retail and business
customers to the best-in-class online and mobile
banking tools. Through a partnership with NCR, the
world’s leading provider of digital services for banks, we
launched a new suite of innovative tools so our customers
can better monitor and manage their finances through
their computer or smartphone. Features like account
aggregation, credit monitoring and simulation, and
money management tools ensure our customers can
budget, plan, track, and save. Innovation like digital
receipt storage and smartwatch banking are tools
of convenience so we can make lives easier and allow
customers to connect when and where they want to.
A BETTER SUPPORT
FOR FINANCIAL WELLNESS
In 2022, 60 percent of American workers indicated a
concern for their household’s financial wellness, being
less prepared for unexpected financial events, and
increasingly stressed about their financial future
(Employee Benefits Research Institute, 2022). To
serve our customers in every way possible, we began
a partnership with GreenPath Financial Wellness to
provide comprehensive financial counseling, financial
education, and money management tools to our
customers. Through this partnership, our customers
have access to free, one-on-one financial counseling,
pre-purchase housing counseling, housing delinquency/
foreclosure prevention counseling, credit report
reviews, debt management planning, and more. As
our customers improve their financial well-being, we
provide products and services to help them achieve
their financial goals and reach a better state.
BETTER
INNOVATION &
FINANCIAL WELLNESS
3
BETTER
NUMBERS
GROWING
CORE DEPOSITS
GROWING
COMMUNITY
4,018
Retail Accounts Opened in 2022
104.6
MILLION
Increase in Total Deposits
72.5
MILLION
in Kasasa Accounts
GROWING
HOME OWNERSHIP
650
New Mortgage and Refinance Loans
MILLION218.2
New Mortgage and Refinance Loans
524,110
In 2022 community donations
and sponsorships
50,050
fundraising effort in 2022 through the
Change for Kids Program. Since the program’s
inception, $307,568 has been donated.
31,790
donated to the Food Bank of
Eastern Michigan in 2022
4
GROWING
LOCAL BUSINESS
GROWING
WEALTH
BETTER
NUMBERS
#1 Michigan-Based
Community Bank
SBA Lender*
FOR THREE YEARS IN A ROW!
*Based on number and dollar amount of SBA
loans approved during the fiscal years ending
9/30/20, 9/30/21 and 9/30/22.
MILLION57.7
New Small Business Administration Loans
Title Gov’t Guaranteed/Supported Loans
This includes SBA 7a, Express, 504
and USDA Guaranteed Loans
391.5
MILLION
New Commercial Loans
PUBLIC FUNDS
MANAGEMENT
30.7
MILLION
Increase in Public Funds
15
INCREASE
Wealth Management
& Trust Services Revenue
51.9
MILLION
New Wealth Management & Trust Services
Assets Under Management in 2022
GROWING
INNOVATION
11,354
Average Monthly ITM Transactions
Serving customers seven days a week with
Connect! ITMs throughout our markets
5
BETTER
FINANCIAL
PARTNERSHIPS
6
HERE TO GUIDE YOU
“We have used The State Bank for several loans,
whether it may be personal, refinance or business
and it is always a quick and easy process. Aeron
Grigg and The State Bank helped back our business
from the beginning. They saw our vision and
helped make it happen. They have always been on
top of getting loans needed to keep the business
running proficiently. They are there to guide you
along the way by always looking out for your best
interest to help grow and maintain your business.”
EBE Electric, LLC
Every single time we
approached The State Bank
with a set of challenges or
growth ideas, they were
there for us, encouraged us
and helped us achieve the
goals we set for ourselves.
Chad & Marybeth Brennan, CRUST a baking co.
YOU ACTUALLY MATTER
“My family and I are so blessed to have The State
Bank on our side. I have been using them for years
for all my commercial needs. They always deliver
the best customer service in banking I have ever
experienced. You are more than a number to
them, you actually matter. Stephanie Claborn
and Lisa Wood have been absolutely amazing to
work with. I have never met a person who works
at The State Bank, that was not smiling. If you do
not bank with this bank, you are missing out.”
Bobby J Grossi DDS,
Grossi Dental and Wellness, and Crumbl Cookie owner
EASY, SIMPLE, FAST
“As a realtor, I have worked with Mindy Ball for many
years. Since she joined The State Bank I have noticed
transactions seem easier, less complicated and very
fast. The team is outstanding with explanations and
updates. Thank you for taking care of my clients.”
Angie Ridley, Broker / Owner, Complete Realty LLC
THERE ISN’T A BETTER BANK
“Cislo Title Company has been banking with The
State Bank for 33 years. There isn’t a better bank
to handle all of our banking needs. Particularly
Lisa Wood and Andy Gavulic have done a fabulous
job providing Cislo Title with great customer
service. Also, their mortgage, commercial loan
and wire department are as good as it gets. I
would highly recommend The State Bank!”
Matt Delecki, Cislo Title Company
A RELATIONSHIP
THAT SPANS DECADES
“It has been a pleasure doing business with The State
Bank. My dad opened my first savings account for
me at The State Bank in the 1980s. Since then, they
have helped me with my personal mortgage needs
and helped me grow my business with commercial
construction loans and commercial mortgages. The
personal service from The State Bank for myself
and my business has been a great experience.”
Jonathan Hamel, White’s Landing
RESILIENCE AND
CLIENT-CENTRIC SERVICE
“Thank you for partnering with me in the financing of
multiple apartment complexes in multiple counties
throughout our metro. As a national investment
broker by trade, I have gathered it takes a nimble
approach to timely execution with clients and you
are no different. I was not only impressed with your
bank’s aggressive terms but their willingness to
build on our business relations deal after deal. I
interact with financial institutions around the
country and I am proud to affiliate myself with
The State Bank due to their resilience and client-
centric service, despite all the headwinds we have
faced in recent years. I appreciate all you and your
bank have done for me and write this in sincerity
so your future prospects can take notice.”
Simon Jonna, Jonna Group Real Estate Investment Services
They always deliver the best
customer service in banking
I have ever experienced.
Bobby J Grossi DDS,
Grossi Dental and Wellness and Crumbl Cookie owner
BETTER
FINANCIAL
PARTNERSHIPS
NAVIGATING A
COMPLEX WORLD
“Jill White from The State Bank has been an excellent
partner in helping Look Self Storage secure several
commercial loans combined with an SBA loan. Her
extensive knowledge and expertise in the field, along
with her attention to detail, have made the entire
process efficient and stress-free. Jill’s ability to
navigate the complex world of financing has given
Look Self Storage the flexibility it needs to grow
and succeed. We are grateful for her assistance and
highly recommend her services and The State Bank.”
Thomas Lapham, Look Self Storage
A BANK THAT BELIEVES IN US
“We have worked with The State Bank since the very
beginning of CRUST a baking co. We just recently
surpassed our 11-year anniversary on February 1,
2023. Over the years we have experienced many
obstacles most of which required our partners at The
State Bank to help us navigate and fund our growth
along the way. Every single time we approached
The State Bank with a set of challenges or growth
ideas, they were there for us, encouraged us and
helped us achieve the goals we set for ourselves.
We are extremely grateful to have such an open-
minded, risk-taking bank that believes in us and
what we do. We have experienced phenomenal
customer service and a true sense of partnership
while working with The State Bank. We appreciate
their ability to invest in us and our vision for the
future. We would not be where we are today if
it weren’t for our partners at The State Bank.”
Chad & Marybeth Brennan, CRUST a baking co.
UNWAVERING COMMITMENT
“Nearly a decade ago, we made the decision to switch
business banking accounts to The State Bank. We
couldn’t be happier with that decision! The State
Bank offers attractive rates and all of the banking
functionality and tools that you would expect with
a business banking account. But what sets them
apart is their top-notch customer service. I have
outstanding relationships with multiple operational
employees and executives, who are always available
to respond to our many needs. The commitment to
their clients is unwavering and creates an extremely
positive and effortless banking experience!”
Their commitment to their
clients is unwavering
and creates an extremely
positive and effortless
banking experience!
Jeff Krueger, E&L Construction Group
HANDLED WITH INTEGRITY
“Tom Hufton conducted a thorough review of
our financial circumstances and prepared a
detailed plan to ensure a financially secure future
retirement. A multitude of financial options
were developed, explained, and implemented
via mutual agreement. He made us feel very
comfortable and has continually monitored
and updated our account to meet our changing
circumstances over a period of many years.
We are exceptionally pleased with Tom Hufton and
The State Bank Wealth Advisors and are certain
that we made the right choice in the selection
of an extremely competent and personable
financial advisor years ago. All the details of
our financial holdings have been handled with
promptness, accuracy, and absolute integrity.”
Richard Latinen
A TRUE PARTNER
“Everyone we have had the pleasure to work with
at The State Bank has been extremely professional
and very responsive. From securing an initial
line of credit to obtaining numerous equipment
loans to day-to-day banking activities, we have
always received the personal attention and quick
turnaround we needed. In the middle of one of
the largest disaster recovery projects in recent
years, Tom Barrett and his team were able to
quickly provide a significant increase to our line
of credit to meet our immediate cash flow needs.
This allowed us to quickly obtain the required
resources to assist multiple communities to begin
recovery and regain some normalcy to their lives
during a very difficult time. Tom and his team
at The State Bank have been a true partner to
our business and the communities we serve.”
Jeff Krueger, E&L Construction Group
Cheryl A. Cameron, SPE Group
7
BETTER GROWTH:
2022 HIGHLIGHTS
8
Dollars in Thousands Except Per Share Amounts
Balance Sheet and Asset Quality Ratios
12/31/22
12/31/21
12/31/20
12/31/19
12/31/18
Net Loans to Total Deposits
106.77%
88.71%
98.48% 100.19%
100.60%
ALLL to Gross Loans
Net Loan Charge-offs to Gross Loans
Nonperforming Loans to Gross Loans
0.91%
0.05%
0.16%
0.95%
0.02%
0.18%
1.02%
0.05%
0.75%
0.67%
0.00%
0.17%
0.58%
0.02%
0.14%
Per Share Data
Earnings per Share
Book Value per Share
12/31/22
12/31/21
12/31/20
12/31/19
12/31/18
$3.38
$3.60
$3.31
$2.49
$2.65
$28.40
$27.68
$24.68
$21.75
$19.31
Tangible Book Value per Share
$26.22
$25.43
$23.88
$20.87
$18.32
Market Price per Share
Dividends per Share
$22.20
$28.28
$22.00
$25.23
$21.00
$0.36
$0.32
$0.30
$0.28
$0.24
Total 1 Year Return to Shareholders (%)
-20.23%
30.00%
-11.61%
21.48%
12.50%
Common Shares Outstanding
4,439,725
4,496,701
4,694,275
4,664,369
4,636,455
Average Common Shares Outstanding
4,448,003
4,624,243
4,684,006
4,653,872
3,812,433
Performance Ratios
12/31/22
12/31/21
12/31/20
12/31/19
12/31/18
Return on Average Assets
0.98%
1.26%
1.29%
1.20%
1.20%
Return on Average Shareholders' Equity
12.30%
13.52%
14.05%
12.02%
15.05%
Net Interest Margin Yield (FTE)
3.67%
3.58%
3.50%
3.83%
3.84%
Efficiency Ratio
65.11%
64.65%
58.10%
63.20%
65.23%
Capital Ratios
12/31/22
12/31/21
12/31/20
12/31/19
12/31/18
Total Capital to Risk Weighted Assets
10.87%
12.22%
15.14%
14.03%
14.00%
Tier 1 Capital to Risk Weighted Assets
CET1 Capital to Risk Weighted Assets
Tier 1 Capital to Average Assets
9.95%
8.96%
8.58%
11.30%
13.93%
13.33%
13.40%
10.07%
12.38%
11.64%
11.52%
9.13%
9.80%
11.20%
10.92%
CONDENSED CONSOLIDATED BALANCE SHEETS
Assets
12/31/22
12/31/21
12/31/20
12/31/19
12/31/18
Cash and Cash Equivalents
$57,844
$ 83,446
$46,757
$46,803
$23,412
Total Securities
Loans Held for Sale
Gross Loans
125,049
164,942
493
6,783
76,111
27,306
61,621
19,491
94,721
903
1,436,166
1,100,092
1,066,562
870,555
772,227
Less Allowance for Loan Losses
13,000
10,500
10,900
5,813
4,488
Net Loans
All Other Assets
Total Assets
1,423,166
1,089,592
1,055,662
864,742
767,739
82,311
73,022
45,610
42,102
39,675
$1,688,863 $1,417,785 $1,251,446 $1,034,759
$926,450
Liabilities and Shareholders’ Equity
Total Deposits
Total Borrowed Funds
Accrued Interest and Other Liabilities
12/31/22
12/31/21
12/31/20
12/31/19
12/31/18
$1,332,883 $1,228,298
$1,071,976
$ 863,102
$763,124
222,350
7,543
50,000
15,032
49,000
14,602
61,500
69,000
8,713
4,810
Total Liabilities
1,562,776
1,293,330
1,135,578
933,315
836,934
Total Shareholders' Equity
126,087
124,455
115,868
101,444
89,516
Total Liabilities and Shareholders' Equity
$1,688,863 $1,417,785
$1,251,446 $1,034,759
$926,450
CONDENSED CONSOLIDATED STATEMENTS OF INCOME FOR THE YEARS ENDED
Interest and Dividend Income
Loans, Including Fees
Investments
Total Interest and Dividend Income
Total Interest Expense
Net Interest Income
Provision for Loan Losses
Net Interest Income,
After Provision for Loan Losses
Total Non-Interest Income
Total Non-Interest Expenses
Income Before Federal Income Taxes
Federal Income Taxes
Net Income
12/31/22
12/31/21
12/31/20
12/31/19
12/31/18
$56,610
$45,129
$44,238
$41,102
$34,371
2,610
59,220
6,767
52,453
3,105
1,781
1,741
2,439
1,979
46,910
45,979
43,541
36,350
2,736
5,924
8,627
5,827
44,174
40,055
34,914
30,523
(180)
5,634
1,335
1,057
49,348
44,354
34,421
33,579
29,466
9,880
40,585
18,643
3,710
14,080
37,663
19,640
34,684
8,163
8,277
27,223
25,310
20,771
19,377
14,519
12,433
4,192
3,913
2,941
2,319
$14,933
$ 16,579
$15,464
$11,578
$10,114
BETTER GROWTH:
2022 HIGHLIGHTS
9
9
BETTER GROWTH:
2022 HIGHLIGHTS
MARKET PRICE PER SHARE
BALANCE SHEET
$25.23
$28.28
$21.00
$22.00
$22.20
Gross Loans
Total Deposits
Total Assets
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2018
2019
2020
2021
2022
2018
2019
2020
2021
2022
RETURN ON AVERAGE ASSETS
EARNINGS PER SHARE
1.20%
1.20%
1.29%
1.26%
0.98%
$3.60
$3.38
$3.31
$2.65
$2.49
2018
2019
2020
2021
2022
2018
2019
2020
2021
2022
EFFICIENCY RATIO
NET INCOME
65.23%
65.11%
64.65%
63.20%
58.10%
$10,114
$11,578
$16,579
$15,464
$14,933
2018
2019
2020
2021
2022
2018
2019
2020
2021
2022
Dollars in Thousands Except Per Share Amounts
10
RECOGNIZED FOR
BETTER
BEST OF...
The State Bank was honored this year with several Best
Of awards. The Tri-County Times, serving Fenton, Linden,
and Holly awarded The State Bank with Best Bank,
Favorite Mortgage Lender, and Best Financial Planning
honors. The Swartz Creek View readers awarded The
State Bank with Best Bank and Favorite Mortgage Lender.
TOP PERFORMING
COMMUNITY BANKS
Fentura Financial, Inc., announced that once again it
ranked in the American Banker’s “Top 200 Community
Banks” list, as one of the top performing community
banks in the United States. The banks were ranked on
three-year return on average equity between 2019 and
2021. Fentura Financial, Inc. ranked number 63 out of 200.
(Source: Capital Performance Group.)
Our team continues to focus on serving our families, businesses and communities and receiving this recognition from
American Banker proves their dedication is truly making a difference. We have learned that our ability to stand out
amongst our competitors relies on how we uniquely serve our customers with the perspective that anything is possible.
Ron Justice, President & CEO of Fentura Financial, Inc. and The State Bank.
COMMITMENT TO
FINANCIAL WELLNESS
In 2022, The State Bank provided upwards of 1,400-
hours of training support to 16 organizations, across
four counties. Over the course of 30 sessions, the
bank’s Community Reinvestment Act (CRA) team
reached 457 individuals with topics about saving
and budgeting, understanding and maintaining
credit, and assessing homeownership readiness.
SBA LEADER
THREE YEARS & COUNTING
For the third year in a row, The State Bank was ranked
as the #1 Michigan-Based Community Bank Small
Business Administration (SBA) Lender based upon
the number of approved loans for the SBA fiscal
years ending September 30, 2020, 2021, and 2022.
Our expertise and commitment to small businesses
has led to our continued success in this area.
#
#1 Michigan-Based
Community Bank SBA Lender*
FO R T H R E E Y E A R S I N A ROW
*Based upon number of approved loans for the SBA fiscal years ending
September 30, 2020, 2021 & 2022. Subject to credit approval.
11
ATM ONLY LOCATIONS
ALPINE FOOD PLAZA
606 W. Broad Street
Linden, MI 48451
BURT
10811 Albee Road
Burt, MI 48417
CHESANING
148 Chapman Street
Chesaning, MI 48616
THOMPSON ROAD
3237 W. Thompson Road
Fenton, MI 48430
LOAN PRODUCTION
OFFICES
BAY CITY
268 Uptown Drive
Bay City, MI 48708
FLINT
615 Saginaw Street
Flint, MI 48502
LOCATIONS
MONTROSE
200 W. State Street
Montrose, MI 48457
810.639.6101
MUNITH
201 N. Main Street
Munith, MI 49259
517.985.1062
NEW LOTHROP
9380 Genesee Street
New Lothrop, MI 48460
810.638.3003
SAGINAW
218 S. Washington Avenue
Saginaw, MI 48601
989.393.4020
SILVER PARKWAY
15095 Silver Parkway
Fenton, MI 48430
810.750.5605
ST. CHARLES
207 S. Saginaw Street
St. Charles, MI 48655
989.865.9434
STOCKBRIDGE
5101 M-106
Stockbridge, MI 49285
517.985.1062
THOMAS TOWNSHIP
7590 Gratiot Road
Saginaw, MI 48609
989.781.2350
VG’S FOOD CENTER
18005 Silver Parkway
Fenton, MI 48430
810.750.8781
MAIN OFFICE
175 N. Leroy Street
Fenton, MI 48430
810.629.2263
BIRCH RUN
8412 Main Street
Birch Run, MI 48415
989.624.6280
BRIGHTON
134 N. First Street
Brighton, MI 48116
810.534.0800
CHESANING
12771 Brady Road
Chesaning, MI 48616
989.845.7070
FARMINGTON HILLS
Northwestern Professional Center
31000 Northwestern Highway,
Suite 150
Farmington Hills, MI 48334
248.498.6979
GRAND BLANC NORTH
1401 E. Hill Road
Grand Blanc, MI 48439
810.603.9500
GRAND BLANC SOUTH
7606 S. Saginaw Street
Grand Blanc, MI 48439
810.695.9601
GRASS LAKE
12005 Michigan Avenue
Grass Lake, MI 49240
517.985.1062
HOLLY
4043 Grange Hall Road
Holly, MI 48442
810.750.8701
LINDEN
107 Main Street
Linden, MI 48451
810.750.8794
12
800.535.0517 | Fentura.com | TheStateBank.com