Charlevoix State Bank
Charlevoix, MI · Cert 33926 · Peer group: banks under $1B in assets (n=573-620) · Charlevoix First Corp.
State charter, non-member · FDIC · 7 branches
Q2 2026
$248.3MAssets
$131.9MLoans
$221.0MDeposits
$24.1MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 162 of 573).
- Widest gap: equity / assets trails 63% of banks under $1B in assets (rank 388 of 620).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.79%
Rank 93 of 620
Net Interest Margin
4.36%
Rank 83 of 620
Efficiency Ratio
56.92%
Rank 141 of 620
Equity / Assets
9.69%
Rank 388 of 620
Non-interest income vs. expense
Unfavorable gap of $4.9M · efficiency ratio beats 77% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.79% | 0.60% | 1.00% | 1.45% | Beats 85% | 93 / 620 | |
| Return on Equity | 18.44% | 5.30% | 9.30% | 13.29% | Beats 91% | 54 / 620 | |
| Net Interest Margin | 4.36% | 3.02% | 3.53% | 4.04% | Beats 87% | 83 / 620 | |
| Efficiency Ratio | 56.92% | 58.35% | 68.08% | 79.37% | Beats 77% | 141 / 620 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.22% | 0.09% | 0.47% | 1.27% | Beats 64% | 207 / 573 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 162 / 573 | |
| Capital |
| Tier 1 Capital Ratio | 18.39% | 11.27% | 13.87% | 18.78% | Beats 73% | 166 / 620 | |
| Total Risk-Based Capital Ratio | 19.51% | 11.69% | 14.57% | 19.67% | Beats 75% | 157 / 620 | |
| Equity / Assets | 9.69% | 9.03% | 10.60% | 13.73% | Beats 37% | 388 / 620 | |
| Liquidity & Funding |
| Loans / Deposits | 59.71% | 65.08% | 79.69% | 92.47% | 19th pctl | 474 / 585 | |
| Loans / Assets | 53.13% | 51.85% | 67.17% | 77.86% | 26th pctl | 457 / 620 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |