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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.40% | 1.43% | 1.44% | 1.02% | 1.23% | -17 bps | |
| Return on Equity | 13.08% | 13.11% | 13.01% | 9.06% | 10.89% | -219 bps | |
| Net Interest Margin | 3.93% | 3.94% | 3.94% | 3.64% | 3.90% | -3 bps | |
| Efficiency Ratio | 57.97% | 58.46% | 59.11% | 66.45% | 63.02% | +505 bps | |
| Non-Interest Burden | 2.17% | 2.18% | 2.21% | 2.32% | 2.35% | +19 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.63% | 4.47% | 2.00% | 2.01% | 2.93% | +356 bps | |
| Loan Growth (YoY) | 2.28% | -0.76% | -4.09% | -2.13% | -1.64% | -392 bps | |
| Deposit Growth (YoY) | -1.80% | 4.40% | 0.82% | 1.75% | 2.40% | +420 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.09% | 0.06% | 1.26% | 1.23% | 1.33% | +124 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.01% | -0.01% | -0.01% | -1 bps | |
| Allowance / Loans | 1.62% | 1.61% | 1.60% | 1.60% | 1.57% | -6 bps | |
| Allowance Coverage of NPLs | 18.8x | 27.0x | 1.3x | 1.3x | 1.2x | -17.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.72% | 12.87% | 12.68% | 12.17% | 12.76% | +4 bps | |
| Total Risk-Based Capital | 19.87% | 20.48% | 20.63% | 19.95% | 20.76% | +88 bps | |
| Equity / Assets | 11.01% | 11.39% | 11.60% | 10.86% | 11.54% | +53 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 72.93% | 70.35% | 69.54% | 68.79% | 70.06% | -288 bps | |
| Liquid Assets / Assets | 8.03% | 11.12% | 13.23% | 14.40% | 13.53% | +550 bps | |
| CRE / Total Capital | n/a | 280% | 280% | 295% | n/a | n/a | |