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Charlevoix State Bank

$100M-$1B Specialty: Commercial MI FDIC cert 33926

Charlevoix, MI

7 branches across MI

2664 banks in the $100M-$1B peer group nationally 46 in MI
View $100M-$1B leaderboard (MI) →

Charlevoix State Bank has 5 strengths but faces 2 concerns

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

  • + Revenue Diversifier: Top 34.4% in tier
  • + Deposit Franchise: Top 40.4% in tier
  • + Profitability Leader: Top 49.2% in tier
  • + Efficiency Ratio 6.40% below tier average
  • + Delinquency Rate 0.58% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 23.4% in tier
  • - Credit Quality Pressure: Bottom 26.8% in tier
Get updates when Charlevoix State 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 ? $245.3M
+3.6% YoY +2.4% QoQ
-$140.8M $386.1M
+0.5% YoY
$993.6M
+8.4% YoY
$6.2B
+9.1% YoY
36%
Total Loans ? $128.7M
+5.8% YoY +0.5% QoQ
-$127.0M $255.7M
+1.1% YoY
$752.3M
+12.4% YoY
$3.2B
+10.8% YoY
29%
Total Deposits ? $218.4M
+3.1% YoY +2.6% QoQ
-$109.5M $328.0M
+0.1% YoY
$797.0M
+7.4% YoY
$4.8B
+8.2% YoY
38%
Return on Assets ? 2.08%
+11.0% YoY -0.3% QoQ
+0.81% 1.27%
+12.9% YoY
1.15%
+25.2% YoY
1.23%
+13.4% YoY
Top 11.0% in tier
Net Interest Margin ? 4.52%
+16.4% YoY +6.5% QoQ
+0.59% 3.93%
+6.0% YoY
3.99%
+5.8% YoY
3.89%
+5.7% YoY
83%
Efficiency Ratio ? 58.89%
+0.3% YoY -0.4% QoQ
-6.40% 65.29%
-4.5% YoY
66.95%
-6.2% YoY
66.95%
-4.1% YoY
63%
Delinquency Rate ? 0.31%
+77.1% YoY -51.6% QoQ
-0.58% 0.89%
+18.8% YoY
0.77%
+21.7% YoY
0.95%
+18.8% YoY
56%
Loan-to-Deposit Ratio ? 58.92%
+2.6% YoY -2.1% QoQ
-17.72% 76.64%
+0.8% YoY
78.66%
+4.9% YoY
76.70%
+0.9% YoY
83%
Non-Interest-Bearing Deposit Share ? 41.56%
+11.0% YoY -0.6% QoQ
+19.54% 22.02%
-1.0% YoY
24.69%
-2.1% YoY
22.01%
-1.2% YoY
Top 3.8% in tier
Nonperforming Asset Ratio ? 0.16%
+80.9% YoY -52.5% QoQ
-0.48% 0.64%
+19.7% YoY
0.58%
+27.6% YoY
0.67%
+19.3% YoY
63%
Tier 1 Capital Ratio ? 18.50%
-1.9% YoY +0.4% QoQ
+2.67% 15.83%
+1.5% YoY
20.91%
+0.5% YoY
17.06%
+0.8% YoY
82%
Non-Interest Income / Assets ? 0.21%
-9.4% YoY -82.2% QoQ
-0.07% 0.28%
+9.3% YoY
0.19%
+5.8% YoY
0.32%
+4.1% YoY
Top 13.0% in tier

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)

Revenue Diversifier

growth
#230 of 666 • Top 34.4% 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: 0.21%
(Tier: 0.28%, National: 0.32%)
but worse than tier avg
Return on Assets: 2.08%
(Tier: 1.27%, National: 1.23%)
better than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank declining

Deposit Franchise

growth
#111 of 272 • Top 40.4% 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: 41.56%
(Tier: 22.02%, National: 22.01%)
better than tier avg
Net Interest Margin: 4.52%
(Tier: 3.93%, National: 3.89%)
better than tier avg
272 of 272 Community banks match · 369 nationally
→ Stable -14 banks QoQ

Profitability Leader

growth
#329 of 666 • Top 49.2% in tier

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

Why this signature
Return on Assets: 2.08%
(Tier: 1.27%, National: 1.23%)
better than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank declining

Concerns (2)

Credit Risk Growth

risk
#229 of 973 • Bottom 23.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally
→ Stable -10 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#351 of 1308 • Bottom 26.8% in tier

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

Why this signature
Delinquency Rate: 0.31%
(Tier: 0.89%, National: 0.95%)
better than tier avg
1308 of 1308 Community banks match · 1899 nationally
→ Stable +2 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (6 metrics)

102
Non-Interest-Bearing Deposit Share
funding
Value: 41.56%
Peer Median: 22.02%
#102 of 2664 Top 3.8% in $100M-$1B
293
Return on Assets
profitability
Value: 2.08%
Peer Median: 1.27%
#293 of 2664 Top 11.0% in $100M-$1B
347
Non-Interest Income / Assets
revenue_mix
Value: 0.21%
Peer Median: 0.28%
#347 of 2664 Top 13.0% in $100M-$1B
462
Loan-to-Deposit Ratio
liquidity
Value: 58.92%
Peer Median: 76.64%
#462 of 2664 Top 17.3% in $100M-$1B
464
Net Interest Margin
profitability
Value: 4.52%
Peer Median: 3.93%
#464 of 2664 Top 17.4% in $100M-$1B
468
Tier 1 Capital Ratio
capital
Value: 18.50%
Peer Median: 15.83%
#468 of 2664 Top 17.5% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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