Central Savings Bank
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
$516.8MAssets
$347.6MLoans
$447.4MDeposits
$45.1MEquity
Executive Summary
- Strongest standing: return on equity outperforms 97% of banks under $1B in assets operating in a single state (rank 19 of 746).
- Widest gap: equity / assets trails 78% of banks under $1B in assets operating in a single state (rank 580 of 746).
- Overall: at or above the peer median on 7 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $8.1M · efficiency ratio beats 94% of banks under $1B in assets operating in a single state | 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 |