Central Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Securities to assets dropped 2.20 percentage points in Q2 2026, from 21.79% to 19.59%. It was the largest change from Q1 2026 among the key lines here. Within Michigan, Central Savings Bank is 14th of 72 on return on assets, 1.80% as of Q2 2026, above the middle of the field. Central Savings Bank reported 1.80% on return on assets for Q2 2026, 0.54 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.54% |
| Tier 1 risk-based capital ratio | 14.54% |
| Total risk-based capital ratio | 15.76% |
| Tier 1 leverage ratio | 9.54% |
| Equity capital to assets | 8.72% |
| Tangible equity to tangible assets | 8.72% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 1.15% |
| Allowance for credit losses to loans | 1.19% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.80% |
| Return on equity | 21.07% |
| Net interest margin | 4.85% |
| Efficiency ratio | 41.97% |
| Yield on earning assets | 5.92% |
| Cost of funds | 1.12% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.70% |
| Core deposits to total deposits | 95.64% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.58% |
| Securities to assets | 19.59% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.31% | 15.31% | 16.56% | 8.68% | 1.27% |
| Q4 2023 | 14.45% | 14.45% | 15.70% | 8.04% | 0.81% |
| Q1 2024 | 15.16% | 15.16% | 16.38% | 8.52% | 1.53% |
| Q2 2024 | 14.64% | 14.64% | 15.75% | 8.39% | 1.23% |
| Q3 2024 | 14.76% | 14.76% | 15.92% | 8.34% | 1.30% |
| Q4 2024 | 14.27% | 14.27% | 15.41% | 8.46% | 1.91% |
| Q1 2025 | 14.85% | 14.85% | 16.03% | 8.88% | 1.69% |
| Q2 2025 | 13.53% | 13.53% | 14.71% | 9.14% | 1.23% |
| Q3 2025 | 14.08% | 14.08% | 15.32% | 9.33% | 1.66% |
| Q4 2025 | 14.06% | 14.06% | 15.31% | 9.25% | 2.49% |
| Q1 2026 | 14.62% | 14.62% | 15.87% | 9.64% | 2.21% |
| Q2 2026 | 14.54% | 14.54% | 15.76% | 9.54% | 1.80% |
Central Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Central Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Central Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1095) · FFIEC NIC profile (RSSD 382050)