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Charlevoix State Bank

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

Charlevoix, MI

7 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 +1.8% year over year ($221.0M on the books).
  • Delinquency rate 0.23%.
  • Return on assets 2.31%.
  • Efficiency ratio 56.92% vs a 64.48% peer average.
  • Loan-to-deposit ratio 59.04% 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) →

Charlevoix State Bank demonstrates 5 strengths

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 16.3% in tier
  • + Revenue Diversifier: Top 18.5% in tier
  • + Deposit Franchise: Top 36.3% in tier
  • + Efficiency Ratio 7.56% below tier average
  • + Delinquency Rate 0.69% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Charlevoix State 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 ? $248.3M
+2.3% YoY +1.2% QoQ
-$138.3M $386.6M
+1.2% YoY
$1.0B
+6.5% YoY
$6.3B
+7.7% YoY
36%
Total Loans ? $130.4M
+7.8% YoY +1.4% QoQ
-$127.9M $258.3M
+1.7% YoY
$767.2M
+9.2% YoY
$3.2B
+9.4% YoY
29%
Total Deposits ? $221.0M
+1.8% YoY +1.2% QoQ
-$105.8M $326.7M
+0.7% YoY
$806.0M
+5.9% YoY
$4.9B
+7.3% YoY
39%
Return on Assets ? 2.31%
+23.1% YoY +11.3% QoQ
+0.99% 1.32%
+10.8% YoY
1.18%
+20.1% YoY
1.30%
+12.1% YoY
Top 6.9% in tier
Net Interest Margin ? 4.63%
+16.9% YoY +2.4% QoQ
+0.64% 3.99%
+5.0% YoY
4.06%
+4.7% YoY
3.95%
+4.9% YoY
83%
Efficiency Ratio ? 56.92%
-4.0% YoY -3.3% QoQ
-7.56% 64.48%
-3.2% YoY
65.90%
-5.4% YoY
70.05%
+2.5% YoY
67%
Delinquency Rate ? 0.23%
-64.1% YoY -27.3% QoQ
-0.69% 0.92%
+15.7% YoY
0.85%
+32.2% YoY
0.98%
+16.3% YoY
64%
Loan-to-Deposit Ratio ? 59.04%
+5.9% YoY +0.2% QoQ
-18.91% 77.95%
+1.0% YoY
80.02%
+3.0% YoY
79.03%
+2.3% YoY
84%
Non-Interest-Bearing Deposit Share ? 41.41%
+4.7% YoY -0.4% QoQ
+19.38% 22.03%
-0.6% YoY
25.55%
-0.4% YoY
21.98%
-0.6% YoY
Top 3.8% in tier
Nonperforming Asset Ratio ? 0.12%
-62.1% YoY -27.2% QoQ
-0.55% 0.67%
+16.4% YoY
0.65%
+27.6% YoY
0.69%
+15.8% YoY
69%
Tier 1 Capital Ratio ? 18.39%
-5.3% YoY -0.6% QoQ
+2.48% 15.91%
+1.4% YoY
20.80%
-0.9% YoY
17.09%
+0.8% YoY
82%
Non-Interest Income / Assets ? 0.52%
+13.6% YoY +150.6% QoQ
-0.05% 0.57%
+7.6% YoY
0.38%
+3.3% YoY
0.66%
+5.2% YoY
Top 9.1% in tier

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 41.4%
+1.9pp YoY
-0.2pp QoQ
 +19.3pp 22.1% 25.9% 22.2% 96%
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 8.0%
-3.6pp YoY
-1.6pp QoQ
 -3.5pp 11.6% 12.8% 12.5% 40%
CRE 41.9%
+2.1pp YoY
+1.2pp QoQ
 +2.4pp 39.5% 45.9% 41.4% 57%
1-4 Family 42.5%
+1.3pp YoY
0.0pp QoQ
 +9.9pp 32.6% 33.6% 31.3% 74%
Consumer 4.4%
-1.3pp YoY
+0.1pp QoQ
 +0.3pp 4.1% 4.6% 5.0% 73%

Capital

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
CET1 Ratio 18.4%
-1.0pp YoY
-0.1pp QoQ
 -0.4pp 18.8% 26.9% 19.7% 72%
Leverage Ratio 10.4%
-0.2pp YoY
0.0pp QoQ
 -1.8pp 12.2% 12.3% 12.6% 39%
Total Capital Ratio 19.5%
-1.1pp YoY
-0.1pp QoQ
 -0.4pp 19.9% 27.9% 20.8% 71%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Full-Time Employees 39
0 YoY
+2 (+5.4%) QoQ
 -20 58 134 482 40%
Assets per Employee ($) $6.4M
+2.3% YoY
-4.0% QoQ
 -$1.2M $7.5M $6.8M $8.8M 40%
Branch Count 7
0 YoY
0 QoQ
 +2 4 9 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Past Due 90+ Days 0.0% -0.3pp 0.3% 0.2% 0.4% 3%
Nonaccrual 0.2%
-0.4pp YoY
-0.1pp QoQ
 -0.7pp 0.9% 0.8% 1.0% 32%
Allowance Coverage 5.08x
+155.8% YoY
+35.8% QoQ
 -19.08x 24.15x 6.79x 20.23x 71%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 21%

Profitability

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
ROE 23.5%
+3.2pp YoY
+2.5pp QoQ
 +11.3pp 12.2% 11.7% 11.6% 94%
Cost of Funds (YTD) 0.5%
-0.1pp YoY
0.0pp QoQ
 -1.2pp 1.7% 1.5% 1.7% 2%
Net Income ($, YTD) $2.8M
+25.7% YoY
— QoQ
 +$271K $2.6M $7.3M $40.4M 67%

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
#109 of 661 • Top 16.3% in tier

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

Why this signature
Return on Assets: 2.31%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Revenue Diversifier

growth
#123 of 661 • Top 18.5% 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: 0.52%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 2.31%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Deposit Franchise

growth
#102 of 278 • Top 36.3% 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: 41.41%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.63%
(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 (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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (6 metrics)

101
Non-Interest-Bearing Deposit Share
funding
Value: 41.41%
Peer Median: 22.03%
#101 of 2643 Top 3.8% in $100M-$1B
184
Return on Assets
profitability
Value: 2.31%
Peer Median: 1.32%
#184 of 2643 Top 6.9% in $100M-$1B
242
Non-Interest Income / Assets
revenue_mix
Value: 0.52%
Peer Median: 0.57%
#242 of 2643 Top 9.1% in $100M-$1B
425
Loan-to-Deposit Ratio
liquidity
Value: 59.04%
Peer Median: 77.95%
#425 of 2643 Top 16.0% in $100M-$1B
444
Net Interest Margin
profitability
Value: 4.63%
Peer Median: 3.99%
#444 of 2643 Top 16.8% in $100M-$1B
466
Tier 1 Capital Ratio
capital
Value: 18.39%
Peer Median: 15.91%
#466 of 2643 Top 17.6% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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