Charlevoix State Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.26 percentage points to 4.86%. Within Michigan, Charlevoix State Bank is 9th of 72 on net interest margin, 4.86% as of Q2 2026, above the middle of the field. Charlevoix State Bank reported 4.86% on net interest margin for Q2 2026, 0.91 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.42% |
| Yield on loans | 7.15% |
| Yield on securities | 2.50% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.57% |
| Cost of interest-bearing deposits | 0.99% |
| Cost of interest-bearing liabilities | 0.99% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.86% |
| Yield to cost spread | 4.43% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.4M |
| Total interest expense | $317K |
| Interest expense on deposits | $317K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 3.62% | 0.59% | 3.08% | 6.50% | 0.96% |
| Q4 2023 | 3.89% | 0.61% | 3.32% | 6.74% | 0.95% |
| Q1 2024 | 3.94% | 0.82% | 3.14% | 6.77% | 1.01% |
| Q2 2024 | 4.24% | 0.97% | 3.30% | 6.89% | 1.03% |
| Q3 2024 | 4.55% | 0.91% | 3.68% | 7.30% | 1.03% |
| Q4 2024 | 4.52% | 0.49% | 4.05% | 7.15% | 1.04% |
| Q1 2025 | 4.52% | 0.61% | 3.94% | 6.93% | 1.11% |
| Q2 2025 | 4.86% | 0.72% | 4.15% | 7.00% | 1.19% |
| Q3 2025 | 4.80% | 0.64% | 4.21% | 7.15% | 1.24% |
| Q4 2025 | 5.14% | 0.57% | 4.61% | 7.21% | 1.77% |
| Q1 2026 | 5.16% | 0.57% | 4.60% | 7.14% | 2.03% |
| Q2 2026 | 5.42% | 0.57% | 4.86% | 7.15% | 2.50% |
Charlevoix State Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Charlevoix State Bank, freeSource: Call Report Schedules RI and RC-K, 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)