Charlevoix State Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Accumulated other comprehensive income rose 2.8% in Q2 2026 to -$1.2M, the biggest move on this page. Within Michigan, Charlevoix State Bank is 10th of 43 on CET1 ratio, 18.39% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Charlevoix State Bank sits 3.32 points higher, at 18.39% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.39% |
| Tier 1 risk-based capital ratio | 18.39% |
| Total risk-based capital ratio | 19.51% |
| Tier 1 leverage ratio | 10.41% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $25.2M |
| Tier 1 capital | $25.2M |
| Total risk-based capital | $26.7M |
| Total equity capital | $24.1M |
| Risk-weighted assets | $137.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.69% |
| Tangible equity to tangible assets | 9.69% |
| Equity capital to average assets | 9.93% |
| Internal capital growth rate | 0.00% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $14.8M |
| Retained earnings | $9.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.2M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 19.76% | 19.76% | 21.01% | 8.98% | $127.6M |
| Q4 2023 | 19.98% | 19.98% | 21.22% | 9.15% | $126.2M |
| Q1 2024 | 19.40% | 19.40% | 20.61% | 9.52% | $130.0M |
| Q2 2024 | 19.52% | 19.52% | 20.74% | 9.88% | $129.1M |
| Q3 2024 | 19.12% | 19.12% | 20.31% | 9.80% | $131.9M |
| Q4 2024 | 18.91% | 18.91% | 20.08% | 10.60% | $133.3M |
| Q1 2025 | 18.86% | 18.86% | 20.02% | 10.59% | $133.7M |
| Q2 2025 | 19.42% | 19.42% | 20.61% | 10.63% | $129.8M |
| Q3 2025 | 19.15% | 19.15% | 20.33% | 10.02% | $131.6M |
| Q4 2025 | 18.42% | 18.42% | 19.54% | 10.31% | $136.9M |
| Q1 2026 | 18.50% | 18.50% | 19.62% | 10.43% | $136.3M |
| Q2 2026 | 18.39% | 18.39% | 19.51% | 10.41% | $137.1M |
Charlevoix State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Charlevoix State Bank, freeSource: Call Report Schedule RC-R, 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 Charlevoix State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33926) · FFIEC NIC profile (RSSD 2232757)