Charlevoix State 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 135.62 percentage points higher than in Q1 2026, at 509.56%. Among 72 Michigan banks, Charlevoix State Bank sits 3rd from the top on return on assets, 2.58% as of Q2 2026. Charlevoix State Bank's return on assets of 2.58% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.33 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.39% |
| Tier 1 risk-based capital ratio | 18.39% |
| Total risk-based capital ratio | 19.51% |
| Tier 1 leverage ratio | 10.41% |
| Equity capital to assets | 9.69% |
| Tangible equity to tangible assets | 9.69% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.22% |
| Non-performing assets ratio | 0.12% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 1.15% |
| Allowance for credit losses to loans | 1.13% |
| Reserve coverage of non-performing loans | 509.56% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.58% |
| Return on equity | 26.05% |
| Net interest margin | 4.86% |
| Efficiency ratio | 54.99% |
| Yield on earning assets | 5.42% |
| Cost of funds | 0.57% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 59.71% |
| Core deposits to total deposits | 96.66% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.98% |
| Securities to assets | 25.79% |
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 | 19.76% | 19.76% | 21.01% | 8.98% | 1.57% |
| Q4 2023 | 19.98% | 19.98% | 21.22% | 9.15% | 1.54% |
| Q1 2024 | 19.40% | 19.40% | 20.61% | 9.52% | 1.23% |
| Q2 2024 | 19.52% | 19.52% | 20.74% | 9.88% | 1.45% |
| Q3 2024 | 19.12% | 19.12% | 20.31% | 9.80% | 1.78% |
| Q4 2024 | 18.91% | 18.91% | 20.08% | 10.60% | 1.91% |
| Q1 2025 | 18.86% | 18.86% | 20.02% | 10.59% | 1.87% |
| Q2 2025 | 19.42% | 19.42% | 20.61% | 10.63% | 1.92% |
| Q3 2025 | 19.15% | 19.15% | 20.33% | 10.02% | 2.29% |
| Q4 2025 | 18.42% | 18.42% | 19.54% | 10.31% | 2.20% |
| Q1 2026 | 18.50% | 18.50% | 19.62% | 10.43% | 2.09% |
| Q2 2026 | 18.39% | 18.39% | 19.51% | 10.41% | 2.58% |
Charlevoix State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Charlevoix State 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 Charlevoix State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33926) · FFIEC NIC profile (RSSD 2232757)