CHARLEVOIX STATE BANK

CHARLEVOIX, MI | Small | Est. Aug. 16, 1994, midnight | FDIC #33926 | RSSD #2232757 | FDIC
Latest Report: 2025-12-31

CHARLEVOIX STATE BANK is asn small FDIC-insured commercial bank headquartered in CHARLEVOIX, MI, established in Aug. 16, 1994, midnight. As of 2025-12-31, the bank reported total assets of $240M and total deposits of $213M. Profitability stands at 2.20% ROA and 22.68% ROE, with a net interest margin of 4.66%. The bank's CET1 capital ratio is 18.42%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.63% and a Texas Ratio of 3.22%. FDIC Certificate #33926.

Assets

$240M

Deposits

$213M

Loans

$130M

Equity

$24M

Profitability

Return on Assets (ROA) 2.20%
Return on Equity (ROE) 22.68%
Net Interest Margin (NIM) 4.66%
Yield on Assets 5.20%
Cost of Funds 0.56%

Asset Quality

NPL Ratio 0.63%
Net Charge-Off Ratio 0.02%
Texas Ratio 3.22%
NPA Ratio 0.34%
ACL / Loans 1.15%

Capital & Liquidity

CET1 Ratio 18.42%
Tier 1 Capital 18.42%
Total Capital Ratio 19.54%
Leverage Ratio 10.31%
Loan-to-Deposit 60.88%

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