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Charlevoix State Bank Locations & Branches Charlevoix, Michigan
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Charlevoix State Bank operates 7 branches from its headquarters in Charlevoix, MI, .
Charlevoix State Bank branch network
All 7 branches are in MICHIGAN, across 5 cities. Charlevoix, MI has the most of its branches, 3. Its largest office by deposits is its main office in Charlevoix, MI, with $148.0M (67.0% of its branch deposits). It had the same number of branches on June 30, 2025.
Charlevoix State Bank at a glance
Its CET1 capital ratio was 18.39% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $248.3M
- CET1 ratio, Q2 2026
- 18.39%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1994
Full financial profile · Is Charlevoix State Bank safe? · Charlevoix State Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Charlevoix, MI (3 branches) | 1 of 2 | 67.0% | $148.0M |
| State: MI (7 branches) | 68 of 95 | <0.1% | $221.0M |
Ranked by total assets among banks headquartered in the state: Largest banks in Michigan.
Share by county and metro area
Charlevoix State Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Charlevoix, MI (6 branches) | 2 of 4 | 42.7% | $216.2M | $506.1M |
| Antrim, MI (1 branch) | 4 of 4 | 1.0% | $4.8M | $463.5M |
Metro area share: not on file. None of this bank's branches sit in a metropolitan or micropolitan area in the FDIC branch directory.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Charlevoix State Bank (main office) | Charlevoix, MI | 49720 | $148.0M |
| East Jordan Branch | East Jordan, MI | 49727 | $31.5M |
| Boyne City Branch | Boyne City, MI | 49712 | $21.7M |
| Beaver Island Branch | Beaver Island, MI | 49782 | $15.0M |
| Ellsworth Branch | Ellsworth, MI | 49729 | $4.8M |
| Southside Branch | Charlevoix, MI | 49720 | $0 |
| Www.Charlevoixstatebank.Com Branch | Charlevoix, MI | 49720 | $0 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 33926) · FFIEC NIC profile (RSSD 2232757)