Frankfort, MI · Cert 8162 · Central-State Bcorp Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
Market Position · Traverse City, MI · 2026 SOD (annual) · 7.1% share · #5 of 13 inst. · $0.3B of $4.8B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.47% | 0.10% | 0.23% | 0.31% | 0.38% | 0.46% | 0.35% | +13 bps | |
| Return on Equity | 5.99% | 5.10% | 1.10% | 2.50% | 3.46% | 4.35% | 5.06% | 3.99% | +149 bps | |
| Net Interest Margin | 4.16% | 4.20% | 4.17% | 4.26% | 4.01% | 4.12% | 4.39% | 4.37% | +11 bps | |
| Efficiency Ratio | 84.68% | 87.05% | 97.38% | 93.65% | 91.35% | 88.72% | 87.41% | 90.77% | -288 bps | |
| Non-Interest Burden | 3.44% | 3.59% | 4.05% | 3.95% | 3.62% | 3.61% | 3.76% | 3.92% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.80% | 7.23% | 6.04% | 13.18% | 8.68% | 9.60% | 5.59% | 5.30% | -788 bps | |
| Loan Growth (YoY) | 6.74% | 3.55% | 3.44% | 6.42% | 4.38% | 12.25% | 10.61% | 10.73% | +431 bps | |
| Deposit Growth (YoY) | 9.19% | 7.58% | 6.30% | 14.38% | 9.34% | 10.29% | 5.63% | 5.37% | -901 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.24% | 0.21% | 0.20% | 0.28% | 0.46% | 0.62% | 0.52% | 0.20% | -7 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.03% | 0.03% | 0.02% | 0.01% | 0.00% | -0.01% | -0.01% | -2 bps | |
| Allowance / Loans | 0.95% | 0.93% | 0.91% | 0.86% | 0.85% | 0.87% | 0.87% | 0.84% | -1 bps | |
| Allowance Coverage of NPLs | 3.9x | 4.4x | 4.5x | 3.1x | 1.8x | 1.4x | 1.7x | 4.1x | +1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.19% | 9.14% | 9.47% | 9.19% | 8.52% | 8.64% | 9.02% | 8.79% | -40 bps | |
| Total Risk-Based Capital | 9.19% | 9.14% | 9.47% | 9.19% | 8.52% | 8.64% | 9.02% | 8.79% | -40 bps | |
| Equity / Assets | 8.61% | 9.38% | 9.26% | 8.64% | 8.14% | 8.89% | 9.19% | 8.58% | -6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.28% | 81.65% | 81.76% | 79.30% | 72.82% | 83.10% | 85.61% | 83.33% | +403 bps | |
| Liquid Assets / Assets | 2.18% | 5.87% | 7.24% | 17.15% | 20.43% | 9.89% | 12.42% | 12.16% | -499 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 395% | 416% | 417% | n/a | n/a | |