Chelsea State Bank
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
$416.5MAssets
$256.4MLoans
$366.0MDeposits
$48.1MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
- Widest gap: nonperforming loans / loans trails 80% of banks under $1B in assets operating in a single state (rank 599 of 743).
- Overall: at or above the peer median on 8 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $9.8M · efficiency ratio beats 55% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |