Charlevoix State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Charlevoix State Bank of Charlevoix, 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 | 2.58% | 1.34% | +1.24% | 95th top |
| ROAE | 26.05% | 13.31% | +12.74% | 96th top |
| Net Interest Margin | 4.86% | 3.93% | +0.93% | 90th top |
| Efficiency Ratio | 54.99% | 61.14% | -6.15% | 69th above |
| PPNR / Avg Assets | 2.58% | 1.68% | +0.90% | 91st top |
| Yield on Earning Assets | 5.42% | 5.67% | -0.25% | 41st below |
| Cost of Funds | 0.57% | 1.88% | -1.31% | 98th top |
| Net Interest Spread | 4.43% | 3.32% | +1.11% | 93rd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.22% | 0.94% | -0.72% | 62nd above |
| NPA / Total Assets | 0.12% | 0.70% | -0.58% | 67th above |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 79th top |
| ACL / Total Loans | 1.13% | 1.28% | -0.15% | 42nd below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 509.56% | 1538.94% | -1029.38% | 71st above |
| Texas Ratio | 1.15% | 7.33% | -6.18% | 71st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 18.39% | 19.50% | -1.11% | 71st above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 18.39% | 19.54% | -1.15% | 71st above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 19.51% | 20.62% | -1.11% | 71st above |
| Leverage Ratio | 10.41% | 12.14% | -1.73% | 39th below |
| Equity / Assets | 9.69% | 11.37% | -1.68% | 39th below |
| TCE / Tangible Assets | 9.69% | 11.09% | -1.40% | 44th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 59.71% | 80.64% | -20.93% | 84th top |
| Core Deposit Ratio | 96.66% | 86.86% | +9.80% | 91st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.31% | 6.85% | -4.54% | 34th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.74% | 7.90% | -0.16% | 64th above |
| Deposit Growth (Y/Y) | 1.84% | 6.29% | -4.45% | 34th below |
See Charlevoix State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Charlevoix State 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 Charlevoix State Bank profile, how to read a UBPR, or how this data updates.