CENTRAL SAVINGS BANK

SAULT SAINTE MARIE, MI | Small | Est. Dec. 2, 1902, midnight | FDIC #1095 | RSSD #382050 | FED
Latest Report: 2025-12-31

CENTRAL SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in SAULT SAINTE MARIE, MI, established in Dec. 2, 1902, midnight. As of 2025-12-31, the bank reported total assets of $487M and total deposits of $428M. Profitability stands at 2.50% ROA and 30.10% ROE, with a net interest margin of 5.04%. The bank's CET1 capital ratio is 14.06%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.13%. FDIC Certificate #1095.

Assets

$487M

Deposits

$428M

Loans

$333M

Equity

$41M

Profitability

Return on Assets (ROA) 2.50%
Return on Equity (ROE) 30.10%
Net Interest Margin (NIM) 5.04%
Yield on Assets 6.22%
Cost of Funds 1.17%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.04%
Texas Ratio 0.13%
NPA Ratio 0.01%
ACL / Loans 1.23%

Capital & Liquidity

CET1 Ratio 14.06%
Tier 1 Capital 14.06%
Total Capital Ratio 15.31%
Leverage Ratio 9.25%
Loan-to-Deposit 77.68%

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