Charlevoix State Bank
Charlevoix, MI · Cert 33926 · Peer group: banks under $1B in assets (n=581-629) · 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 158 of 581).
- Widest gap: equity / assets trails 64% of banks under $1B in assets (rank 405 of 629).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.79%
Rank 95 of 629
Net Interest Margin
4.36%
Rank 88 of 629
Efficiency Ratio
56.92%
Rank 142 of 629
Equity / Assets
9.69%
Rank 405 of 629
Non-interest income vs. expense
Unfavorable gap of $4.9M · efficiency ratio beats 78% 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% | 1.01% | 1.45% | Beats 85% | 95 / 629 | |
| Return on Equity | 18.44% | 5.38% | 9.30% | 13.28% | Beats 91% | 55 / 629 | |
| Net Interest Margin | 4.36% | 3.03% | 3.54% | 4.05% | Beats 86% | 88 / 629 | |
| Efficiency Ratio | 56.92% | 58.35% | 67.79% | 79.08% | Beats 78% | 142 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.22% | 0.09% | 0.46% | 1.20% | Beats 64% | 213 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 18.39% | 11.24% | 13.84% | 18.77% | Beats 73% | 168 / 629 | |
| Total Risk-Based Capital Ratio | 19.51% | 11.58% | 14.43% | 19.66% | Beats 75% | 159 / 629 | |
| Equity / Assets | 9.69% | 9.09% | 10.65% | 13.80% | Beats 36% | 405 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 59.71% | 67.24% | 80.90% | 93.48% | 18th pctl | 489 / 594 | |
| Loans / Assets | 53.13% | 53.31% | 67.71% | 78.15% | 25th pctl | 474 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |