CENTRAL SAVINGS BANK
CENTRAL SAVINGS BANK is an FDIC-insured commercial bank headquartered in SAULT SAINTE MARIE, MI, established in 1902. As of , 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 4.92%. CET1 capital ratio: 14.06%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.13%. Operates 9 domestic branches.
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 14.06% | 2.50% | 0.00% | 0.13% | 4.92% |
| 2025-09-30 | 14.08% | 1.70% | 0.46% | 3.07% | 4.74% |
| 2025-06-30 | 13.53% | 1.27% | 0.47% | 3.32% | 4.81% |
| 2025-03-31 | 14.85% | 1.78% | 0.52% | 3.49% | 4.08% |
| 2024-12-31 | 14.27% | 1.98% | 0.52% | 3.99% | 4.28% |
| 2024-09-30 | 14.76% | 1.35% | 0.59% | 4.24% | 4.10% |
| 2024-06-30 | 14.64% | 1.28% | 0.05% | 0.38% | 3.91% |
| 2024-03-31 | 15.16% | 1.57% | 0.05% | 0.40% | 3.69% |
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Frequently asked about CENTRAL SAVINGS BANK
What are Central Savings Bank's total assets?
As of the Q4 2025 filing, Central Savings Bank reported total assets of $487.1 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Central Savings Bank headquartered?
Central Savings Bank is headquartered in SAULT SAINTE MARIE, MI, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Central Savings Bank founded?
Central Savings Bank was established in 1902, per the FDIC institution directory.
Is Central Savings Bank FDIC-insured?
Yes. Central Savings Bank is an FDIC-insured commercial bank (FDIC Certificate #1095). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Central Savings Bank?
Central Savings Bank's primary federal regulator is the FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Central Savings Bank's CET1 capital ratio?
Central Savings Bank reported a Common Equity Tier 1 (CET1) capital ratio of 14.06% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Central Savings Bank operate?
Central Savings Bank operates 9 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Central Savings Bank's Texas Ratio?
Central Savings Bank's Texas Ratio is 0.13% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.