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 | |