Central Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Central Savings Bank of Sault Sainte Marie, MI against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.80% | 1.35% | +0.45% | 78th top |
| ROAE | 21.07% | 12.05% | +9.02% | 89th top |
| Net Interest Margin | 4.85% | 3.90% | +0.95% | 89th top |
| Efficiency Ratio | 41.97% | 63.16% | -21.19% | 93rd top |
| PPNR / Avg Assets | 3.08% | 1.64% | +1.44% | 96th top |
| Yield on Earning Assets | 5.92% | 5.65% | +0.27% | 65th above |
| Cost of Funds | 1.12% | 1.85% | -0.73% | 87th top |
| Net Interest Spread | 4.25% | 3.35% | +0.90% | 90th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.92% | -0.92% | 93rd top |
| NPA / Total Assets | 0.00% | 0.67% | -0.67% | 94th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 42nd below |
| ACL / Total Loans | 1.19% | 1.28% | -0.09% | 49th below |
| Texas Ratio | 1.15% | 7.15% | -6.00% | 71st above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 625.00% | 1189.54% | -564.54% | 76th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.54% | 20.83% | -6.29% | 44th below |
| Tier 1 Ratio | 14.54% | 20.87% | -6.33% | 44th below |
| Total Capital Ratio | 15.76% | 21.94% | -6.18% | 45th below |
| Leverage Ratio | 9.54% | 12.46% | -2.92% | 23rd bottom |
| Equity / Assets | 8.72% | 11.67% | -2.95% | 23rd bottom |
| TCE / Tangible Assets | 8.72% | 11.40% | -2.68% | 26th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 77.70% | 78.64% | -0.94% | 56th above |
| Core Deposit Ratio | 95.64% | 87.09% | +8.55% | 87th top |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 3.87% | 5.11% | -1.24% | 47th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 12.41% | 6.47% | +5.94% | 88th top |
| Loan Growth (Y/Y) | 27.60% | 7.63% | +19.97% | 96th top |
| Deposit Growth (Y/Y) | 6.86% | 6.02% | +0.84% | 70th above |
See Central Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Central Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Central Savings Bank profile, how to read a UBPR, or how this data updates.