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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.06% | 1.50% | 1.41% | 1.39% | 1.49% | 1.44% | 1.02% | 1.45% | +6 bps | |
| Return on Equity | 19.39% | 13.78% | 13.35% | 12.80% | 13.31% | 12.52% | 9.06% | 12.91% | +11 bps | |
| Net Interest Margin | 4.46% | 4.15% | 3.85% | 4.01% | 3.99% | 4.03% | 3.64% | 4.08% | +7 bps | |
| Efficiency Ratio | 48.07% | 55.22% | 56.64% | 59.24% | 59.40% | 61.04% | 66.45% | 59.85% | +61 bps | |
| Non-Interest Burden | 1.86% | 2.16% | 2.07% | 2.25% | 2.22% | 2.35% | 2.32% | 2.33% | +8 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 | -0.02% | 0.26% | 0.00% | 0.00% | 0.00% | -0.03% | -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 | |