Sault Sainte Marie, MI · Cert 1095 · Central Bank Corp.
State charter, Fed member · FED · 9 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
47
Asset Quality
56
Profitability
92
Liquidity
98
Efficiency
94
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Sault Sainte Marie, MI · Cert 1095 · Central Bank Corp.
State charter, Fed member · FED · 9 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.40% | 1.56% | 1.78% | 1.52% | 1.57% | 1.82% | 2.26% | 2.04% | +52 bps | |
| Return on Equity | 22.60% | 24.53% | 24.41% | 20.24% | 20.42% | 23.17% | 26.26% | 23.61% | +336 bps | |
| Net Interest Margin | 3.53% | 3.64% | 3.81% | 4.16% | 4.17% | 4.24% | 4.37% | 4.38% | +22 bps | |
| Efficiency Ratio | 47.74% | 47.23% | 49.96% | 46.58% | 45.62% | 43.72% | 46.44% | 44.17% | -242 bps | |
| Non-Interest Burden | 1.34% | 1.34% | 1.65% | 1.67% | 1.61% | 1.51% | 1.73% | 1.57% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.92% | 6.13% | 1.18% | 1.60% | 3.13% | 6.65% | 7.00% | 12.41% | +1,081 bps | |
| Loan Growth (YoY) | 15.97% | 15.79% | 10.77% | 19.83% | 10.94% | 29.51% | 33.72% | 27.60% | +776 bps | |
| Deposit Growth (YoY) | 6.75% | 4.84% | -0.83% | -0.45% | 1.79% | 1.37% | 3.22% | 6.86% | +731 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.19% | 0.51% | 0.08% | 0.07% | 0.05% | 0.04% | 0.01% | 0.16% | +10 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.03% | -0.04% | 0.01% | 0.00% | 0.04% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 1.20% | 1.26% | 1.29% | 1.33% | 1.39% | 1.23% | 1.22% | 1.19% | -14 bps | |
| Allowance Coverage of NPLs | 6.3x | 2.5x | 16.6x | 19.8x | 26.4x | 30.6x | 183.3x | 7.3x | -12.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.34% | 8.46% | 8.88% | 9.14% | 9.33% | 9.25% | 9.64% | 9.54% | +40 bps | |
| Total Risk-Based Capital | 15.92% | 15.41% | 16.03% | 14.71% | 15.32% | 15.31% | 15.87% | 15.76% | +106 bps | |
| Equity / Assets | 6.88% | 6.91% | 7.65% | 7.99% | 8.24% | 8.39% | 8.82% | 8.72% | +74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 58.48% | 60.80% | 59.05% | 65.07% | 63.74% | 77.68% | 76.50% | 77.70% | +1,263 bps | |
| Liquid Assets / Assets | 10.38% | 8.83% | 9.74% | 9.18% | 14.21% | 5.39% | 4.44% | 7.11% | -207 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 294% | 324% | 316% | n/a | n/a | |
Sault Sainte Marie, MI · Cert 1095 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Central Bank Corp.
State charter, Fed member · FED · 9 branches
Q2 2026
Return on Assets
1.96%
Rank 45 of 746
Net Interest Margin
4.38%
Rank 122 of 746
Efficiency Ratio
44.68%
Rank 48 of 746
Equity / Assets
8.72%
Rank 580 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.96% | 0.72% | 1.06% | 1.45% | Beats 94% | 45 / 746 | ||
| Return on Equity | 22.51% | 6.74% | 10.51% | 13.63% | Beats 97% | 19 / 746 | ||
| Net Interest Margin | 4.38% | 3.17% | 3.68% | 4.16% | Beats 84% | 122 / 746 | ||
| Efficiency Ratio | 44.68% | 55.74% | 64.58% | 75.47% | Beats 94% | 48 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.16% | 0.09% | 0.42% | 1.07% | Beats 69% | 232 / 743 | ||
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.05% | Beats 42% | 432 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.54% | 11.55% | 13.75% | 17.60% | Beats 57% | 324 / 746 | ||
| Total Risk-Based Capital Ratio | 15.76% | 11.71% | 14.33% | 18.43% | Beats 61% | 290 / 746 | ||
| Equity / Assets | 8.72% | 8.90% | 10.51% | 13.06% | Beats 22% | 580 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 77.70% | 61.31% | 78.27% | 90.78% | 49th pctl | 379 / 746 | ||
| Loans / Assets | 67.27% | 53.60% | 66.97% | 76.08% | 51st pctl | 366 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||