Chelsea, MI · Cert 14009 · CSB Bcorp Inc.
State charter, Fed member · FED · 4 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
76
Asset Quality
60
Profitability
59
Liquidity
74
Efficiency
55
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.
Chelsea, MI · Cert 14009 · CSB Bcorp Inc.
State charter, Fed member · FED · 4 branches
Q2 2026
Market Position · Ann Arbor, MI · 2026 SOD (annual) · 3.0% share · #10 of 15 inst. · $0.4B of $12.0B
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 | 1.44% | 1.45% | 1.41% | 1.40% | 1.43% | 1.44% | 1.02% | 1.23% | -17 bps | |
| Return on Equity | 14.20% | 14.23% | 13.35% | 13.08% | 13.11% | 13.01% | 9.06% | 10.89% | -219 bps | |
| Net Interest Margin | 4.31% | 4.26% | 3.85% | 3.93% | 3.94% | 3.94% | 3.64% | 3.90% | -3 bps | |
| Efficiency Ratio | 61.06% | 59.65% | 56.64% | 57.97% | 58.46% | 59.11% | 66.45% | 63.02% | +505 bps | |
| Non-Interest Burden | 2.48% | 2.39% | 2.07% | 2.17% | 2.18% | 2.21% | 2.32% | 2.35% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.68% | 0.54% | -0.57% | -0.63% | 4.47% | 2.00% | 2.01% | 2.93% | +356 bps | |
| Loan Growth (YoY) | 9.64% | 7.56% | 4.69% | 2.28% | -0.76% | -4.09% | -2.13% | -1.64% | -392 bps | |
| Deposit Growth (YoY) | -4.64% | -0.47% | -1.80% | -1.80% | 4.40% | 0.82% | 1.75% | 2.40% | +420 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.11% | 0.05% | 0.09% | 0.09% | 0.06% | 1.26% | 1.23% | 1.33% | +124 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.06% | 0.00% | 0.00% | 0.00% | -0.01% | -0.01% | -0.01% | -1 bps | |
| Allowance / Loans | 1.64% | 1.60% | 1.60% | 1.62% | 1.61% | 1.60% | 1.60% | 1.57% | -6 bps | |
| Allowance Coverage of NPLs | 14.5x | 35.0x | 17.8x | 18.8x | 27.0x | 1.3x | 1.3x | 1.2x | -17.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.66% | 12.51% | 12.46% | 12.72% | 12.87% | 12.68% | 12.17% | 12.76% | +4 bps | |
| Total Risk-Based Capital | 19.40% | 18.78% | 19.35% | 19.87% | 20.48% | 20.63% | 19.95% | 20.76% | +88 bps | |
| Equity / Assets | 11.31% | 10.53% | 10.63% | 11.01% | 11.39% | 11.60% | 10.86% | 11.54% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.01% | 73.10% | 71.52% | 72.93% | 70.35% | 69.54% | 68.79% | 70.06% | -288 bps | |
| Liquid Assets / Assets | 4.78% | 6.78% | 8.94% | 8.03% | 11.12% | 13.23% | 14.40% | 13.53% | +550 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 280% | 280% | 295% | n/a | n/a | |
Chelsea, MI · Cert 14009 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · CSB Bcorp Inc.
State charter, Fed member · FED · 4 branches
Q2 2026
Return on Assets
1.24%
Rank 273 of 746
Net Interest Margin
3.90%
Rank 290 of 746
Efficiency Ratio
63.02%
Rank 338 of 746
Equity / Assets
11.54%
Rank 271 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.24% | 0.72% | 1.06% | 1.45% | Beats 63% | 273 / 746 | ||
| Return on Equity | 10.72% | 6.74% | 10.51% | 13.63% | Beats 53% | 354 / 746 | ||
| Net Interest Margin | 3.90% | 3.17% | 3.68% | 4.16% | Beats 61% | 290 / 746 | ||
| Efficiency Ratio | 63.02% | 55.74% | 64.58% | 75.47% | Beats 55% | 338 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.33% | 0.09% | 0.42% | 1.07% | Beats 20% | 599 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.50% | 11.55% | 13.75% | 17.60% | Beats 81% | 140 / 746 | ||
| Total Risk-Based Capital Ratio | 20.76% | 11.71% | 14.33% | 18.43% | Beats 82% | 131 / 746 | ||
| Equity / Assets | 11.54% | 8.90% | 10.51% | 13.06% | Beats 64% | 271 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 70.06% | 61.31% | 78.27% | 90.78% | 35th pctl | 482 / 746 | ||
| Loans / Assets | 61.55% | 53.60% | 66.97% | 76.08% | 39th pctl | 457 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||