BlastPoint's Banking Scorecard

Central Savings Bank

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

Sault Sainte Marie, MI

9 branches across MI

2664 banks in the $100M-$1B peer group nationally 46 in MI

Central Savings Bank shows strong momentum with 5 strengths and 7.0% YoY asset growth

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 18.3% in tier
+ Revenue Diversifier: Top 40.7% in tier
+ Deposit Franchise: Top 69.1% in tier
+ Efficiency Ratio 18.85% below tier average
+ Delinquency Rate 0.88% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Central Savings Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Total Assets ?	$488.2M +7.0% YoY +0.2% QoQ	+$102.2M	$386.1M +0.5% YoY	$993.6M +8.4% YoY	$6.2B +9.1% YoY	71%
Total Loans ?	$325.8M +33.8% YoY -0.8% QoQ	+$70.1M	$255.7M +1.1% YoY	$752.3M +12.4% YoY	$3.2B +10.8% YoY	71%
Total Deposits ?	$431.1M +3.2% YoY +0.7% QoQ	+$103.1M	$328.0M +0.1% YoY	$797.0M +7.4% YoY	$4.8B +8.2% YoY	73%
Return on Assets ?	2.26% +27.1% YoY +24.2% QoQ	+0.99%	1.27% +12.9% YoY	1.15% +25.2% YoY	1.23% +13.4% YoY	Top 7.8% in tier
Net Interest Margin ?	4.79% +7.8% YoY -0.7% QoQ	+0.86%	3.93% +6.0% YoY	3.99% +5.8% YoY	3.89% +5.7% YoY	Top 11.2% in tier
Efficiency Ratio ?	46.44% -7.1% YoY +6.2% QoQ	-18.85%	65.29% -4.5% YoY	66.95% -6.2% YoY	66.95% -4.1% YoY	Top 10.5% in tier
Delinquency Rate ?	0.01% -91.4% YoY -83.4% QoQ	-0.88%	0.89% +18.8% YoY	0.77% +21.7% YoY	0.95% +18.8% YoY	Top 13.1% in tier
Loan-to-Deposit Ratio ?	75.57% +29.6% YoY -1.5% QoQ	-1.07%	76.64% +0.8% YoY	78.66% +4.9% YoY	76.70% +0.9% YoY	56%
Non-Interest-Bearing Deposit Share ?	31.57% +2.1% YoY +4.1% QoQ	+9.55%	22.02% -1.0% YoY	24.69% -2.1% YoY	22.01% -1.2% YoY	Top 14.5% in tier
Nonperforming Asset Ratio ?	0.00% -91.8% YoY -88.6% QoQ	-0.63%	0.64% +19.7% YoY	0.58% +27.6% YoY	0.67% +19.3% YoY	Top 12.4% in tier
Tier 1 Capital Ratio ?	14.62% -1.5% YoY +4.0% QoQ	-1.21%	15.83% +1.5% YoY	20.91% +0.5% YoY	17.06% +0.8% YoY	63%
Non-Interest Income / Assets ?	0.16% +5.3% YoY -76.2% QoQ	-0.12%	0.28% +9.3% YoY	0.19% +5.8% YoY	0.32% +4.1% YoY	76%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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

#123 of 666 • Top 18.3% in tier

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

Why this signature

Return on Assets: 2.26%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Revenue Diversifier

growth

#272 of 666 • Top 40.7% 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: 0.16%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 2.26%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Deposit Franchise

growth

#189 of 272 • Top 69.1% 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: 31.57%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.79%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (7 metrics)

208

Return on Assets

profitability

Value: 2.26%

Peer Median: 1.27%

#208 of 2664 Top 7.8% in $100M-$1B

280

Efficiency Ratio

profitability

Value: 46.44%

Peer Median: 65.29%

#280 of 2664 Top 10.5% in $100M-$1B

299

Net Interest Margin

profitability

Value: 4.79%

Peer Median: 3.93%

#299 of 2664 Top 11.2% in $100M-$1B

332

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#332 of 2664 Top 12.4% in $100M-$1B

350

Delinquency Rate

credit_quality

Value: 0.01%

Peer Median: 0.89%

#350 of 2654 Top 13.1% in $100M-$1B

388

Non-Interest-Bearing Deposit Share

funding

Value: 31.57%

Peer Median: 22.02%

#388 of 2664 Top 14.5% in $100M-$1B

634

Non-Interest Income / Assets

revenue_mix

Value: 0.16%

Peer Median: 0.28%

#634 of 2664 Top 23.8% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available