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Central Savings Bank

$100M-$1B Specialty: Commercial MI FDIC cert 1095

Sault Sainte Marie, MI

9 branches across MI

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 47 in MI.
  • Deposits +6.9% year over year ($447.4M on the books).
  • Delinquency rate 0.16%.
  • Return on assets 2.04%.
  • Efficiency ratio 44.17% vs a 64.48% peer average.
  • Loan-to-deposit ratio 76.77% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 47 in MI
View $100M-$1B leaderboard (MI) →

Central Savings Bank has 5 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Profitability Leader: Top 20.3% in tier
  • + Revenue Diversifier: Top 45.5% in tier
  • + Deposit Franchise: Top 51.8% in tier
  • + Efficiency Ratio 20.31% below tier average
  • + Delinquency Rate 0.75% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 18.2% in tier
Get updates when Central Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Total Assets ? $516.8M
+12.4% YoY +5.8% QoQ
+$130.2M $386.6M
+1.2% YoY
$1.0B
+6.5% YoY
$6.3B
+7.7% YoY
73%
Total Loans ? $343.5M
+27.8% YoY +5.4% QoQ
+$85.1M $258.3M
+1.7% YoY
$767.2M
+9.2% YoY
$3.2B
+9.4% YoY
73%
Total Deposits ? $447.4M
+6.9% YoY +3.8% QoQ
+$120.7M $326.7M
+0.7% YoY
$806.0M
+5.9% YoY
$4.9B
+7.3% YoY
75%
Return on Assets ? 2.04%
+34.1% YoY -9.7% QoQ
+0.72% 1.32%
+10.8% YoY
1.18%
+20.1% YoY
1.30%
+12.1% YoY
Top 12.5% in tier
Net Interest Margin ? 4.88%
+3.3% YoY +1.8% QoQ
+0.89% 3.99%
+5.0% YoY
4.06%
+4.7% YoY
3.95%
+4.9% YoY
Top 10.3% in tier
Efficiency Ratio ? 44.17%
-5.2% YoY -4.9% QoQ
-20.31% 64.48%
-3.2% YoY
65.90%
-5.4% YoY
70.05%
+2.5% YoY
Top 7.9% in tier
Delinquency Rate ? 0.16%
+142.1% YoY
-0.75% 0.92%
+15.7% YoY
0.85%
+32.2% YoY
0.98%
+16.3% YoY
68%
Loan-to-Deposit Ratio ? 76.77%
+19.6% YoY +1.6% QoQ
-1.18% 77.95%
+1.0% YoY
80.02%
+3.0% YoY
79.03%
+2.3% YoY
56%
Non-Interest-Bearing Deposit Share ? 34.57%
-6.9% YoY +9.5% QoQ
+12.54% 22.03%
-0.6% YoY
25.55%
-0.4% YoY
21.98%
-0.6% YoY
Top 10.4% in tier
Nonperforming Asset Ratio ? 0.11%
+108.1% YoY
-0.56% 0.67%
+16.4% YoY
0.65%
+27.6% YoY
0.69%
+15.8% YoY
70%
Tier 1 Capital Ratio ? 14.54%
+7.5% YoY -0.6% QoQ
-1.37% 15.91%
+1.4% YoY
20.80%
-0.9% YoY
17.09%
+0.8% YoY
62%
Non-Interest Income / Assets ? 0.35%
+20.7% YoY +121.2% QoQ
-0.22% 0.57%
+7.6% YoY
0.38%
+3.3% YoY
0.66%
+5.2% YoY
80%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Noninterest-Bearing 34.6%
-2.6pp YoY
+3.0pp QoQ
 +12.4pp 22.1% 25.9% 22.2% 90%
Brokered Deposits n/a n/a 7.9% 12.3% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
C&I 13.8%
+1.5pp YoY
+0.8pp QoQ
 +2.3pp 11.6% 12.8% 12.5% 71%
CRE 39.0%
-7.3pp YoY
-7.6pp QoQ
 -0.5pp 39.5% 45.9% 41.4% 51%
1-4 Family 25.6%
-4.8pp YoY
-0.3pp QoQ
 -7.0pp 32.6% 33.6% 31.3% 42%
Consumer 6.9%
-2.3pp YoY
-0.5pp QoQ
 +2.8pp 4.1% 4.6% 5.0% 85%

Capital

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
CET1 Ratio 14.5%
+1.0pp YoY
-0.1pp QoQ
 -4.3pp 18.8% 26.9% 19.7% 45%
Leverage Ratio 9.5%
+0.4pp YoY
-0.1pp QoQ
 -2.6pp 12.2% 12.3% 12.6% 22%
Total Capital Ratio 15.8%
+1.1pp YoY
-0.1pp QoQ
 -4.2pp 19.9% 27.9% 20.8% 45%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Full-Time Employees 74
+5 (+7.2%) YoY
+3 (+4.2%) QoQ
 +15 58 134 482 73%
Assets per Employee ($) $7.0M
+4.8% YoY
+1.6% QoQ
 -$535K $7.5M $6.8M $8.8M 52%
Branch Count 9
0 YoY
0 QoQ
 +4 4 9 18 86%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Past Due 90+ Days 0.2%
+0.1pp YoY
+0.2pp QoQ
 -0.2pp 0.3% 0.2% 0.4% 61%
Nonaccrual n/a n/a 0.9% 0.8% 1.0% n/a
Allowance Coverage 7.29x
-63.1% YoY
-96.0% QoQ
 -16.86x 24.15x 6.79x 20.23x 77%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 34%

Profitability

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
ROE 23.6%
+3.4pp YoY
-2.7pp QoQ
 +11.4pp 12.2% 11.7% 11.6% 95%
Cost of Funds (YTD) 1.1%
-0.1pp YoY
0.0pp QoQ
 -0.6pp 1.7% 1.5% 1.7% 16%
Net Income ($, YTD) $5.1M
+45.7% YoY
— QoQ
 +$2.5M $2.6M $7.3M $40.4M 88%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (3)

Profitability Leader

growth
#135 of 661 • Top 20.3% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.04%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Revenue Diversifier

growth
#302 of 661 • Top 45.5% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.35%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 2.04%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Deposit Franchise

growth
#145 of 278 • Top 51.8% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 34.57%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.88%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk
#230 of 1256 • Bottom 18.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.16%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

211
Efficiency Ratio
profitability
Value: 44.17%
Peer Median: 64.48%
#211 of 2643 Top 7.9% in $100M-$1B
272
Net Interest Margin
profitability
Value: 4.88%
Peer Median: 3.99%
#272 of 2643 Top 10.3% in $100M-$1B
275
Non-Interest-Bearing Deposit Share
funding
Value: 34.57%
Peer Median: 22.03%
#275 of 2643 Top 10.4% in $100M-$1B
331
Return on Assets
profitability
Value: 2.04%
Peer Median: 1.32%
#331 of 2643 Top 12.5% in $100M-$1B
537
Non-Interest Income / Assets
revenue_mix
Value: 0.35%
Peer Median: 0.57%
#537 of 2643 Top 20.3% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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