Charlevoix State Bank
Charlevoix, MI · Cert 33926 · Peer group: banks under $1B in assets (n=570-617) · 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 160 of 570).
- Widest gap: equity / assets trails 63% of banks under $1B in assets (rank 386 of 617).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.79%
Rank 91 of 617
Net Interest Margin
4.36%
Rank 87 of 617
Efficiency Ratio
56.92%
Rank 143 of 617
Equity / Assets
9.69%
Rank 386 of 617
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.79% | 0.60% | 1.01% | 1.45% | Beats 85% | 91 / 617 | | |
| Return on Equity | 18.44% | 5.30% | 9.43% | 13.30% | Beats 91% | 53 / 617 | | |
| Net Interest Margin | 4.36% | 3.04% | 3.54% | 4.05% | Beats 86% | 87 / 617 | | |
| Efficiency Ratio | 56.92% | 58.03% | 67.76% | 79.08% | Beats 77% | 143 / 617 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.22% | 0.09% | 0.48% | 1.27% | Beats 64% | 204 / 570 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 160 / 570 | | |
| Capital |
| Tier 1 Capital Ratio | 18.39% | 11.18% | 13.83% | 18.55% | Beats 74% | 161 / 617 | | |
| Total Risk-Based Capital Ratio | 19.51% | 11.56% | 14.39% | 19.39% | Beats 75% | 154 / 617 | | |
| Equity / Assets | 9.69% | 9.03% | 10.55% | 13.63% | Beats 37% | 386 / 617 | | |
| Liquidity & Funding |
| Loans / Deposits | 59.71% | 64.77% | 79.70% | 93.06% | 19th pctl | 469 / 582 | | |
| Loans / Assets | 53.13% | 51.70% | 67.18% | 77.51% | 27th pctl | 452 / 617 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |