Chelsea State Bank: Deposit Base
Data as of · Call Report Schedules RC-E and RC-O How we update
How the bank is funded. Core deposits are the stable, mostly-insured relationship money; brokered and uninsured balances are the fastest to leave. The 2023 regional bank failures were runs on uninsured deposits, which is why that share now gets read first.
Noninterest-bearing share of deposits climbed 1.74 percentage points in Q2 2026, from 28.68% to 30.42%. It was the largest change from Q1 2026 among the key lines here. Chelsea State Bank ranks 40th of 72 Michigan banks on total deposits, in the lower half at $366.0M (Q2 2026). The median for banks in the $100M-1B asset tier is $277.3M on total deposits. Chelsea State Bank sits 32% higher, at $366.0M (Q2 2026).
Deposit totals
| Line item | Q2 2026 |
|---|---|
| Total deposits | $366.0M |
| Domestic office deposits | $366.0M |
| Foreign office deposits | — |
| Deposits to total assets | 87.86% |
| Deposits to total liabilities | 99.33% |
Deposit composition
| Line item | Q2 2026 |
|---|---|
| Demand deposits | $160.5M |
| Savings deposits | $55.7M |
| Transaction accounts to domestic deposits | 53.16% |
| Time deposits | $14K |
| Time deposits under $100k | $17.1M |
| Time deposits $100k to $250k | $18.1M |
| Time deposits over $250k | $17.0M |
| Noninterest-bearing share of deposits | 30.42% |
Stability of funding
| Line item | Q2 2026 |
|---|---|
| Core deposits | $349.0M |
| Core deposits to total deposits | 95.35% |
| Insured deposits | — |
| Uninsured deposits | — |
| Uninsured deposits to total deposits | — |
| Brokered deposits | $0 |
| Brokered deposits to total deposits | 0.00% |
Cost of deposits
| Line item | Q2 2026 |
|---|---|
| Cost of interest-bearing deposits | 1.63% |
| Interest expense on deposits | $1.1M |
| Loans and leases to core deposits | 73.47% |
Deposit Base trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|
| Q3 2023 | $366.0M | 98.20% | 0.00% | 1.29% |
| Q4 2023 | $361.8M | 97.87% | 0.00% | 1.32% |
| Q1 2024 | $373.4M | 97.50% | 0.00% | 1.64% |
| Q2 2024 | $364.0M | 96.91% | 0.00% | 1.85% |
| Q3 2024 | $349.0M | 95.59% | 0.00% | 1.97% |
| Q4 2024 | $360.1M | 94.52% | 1.39% | 1.90% |
| Q1 2025 | $366.7M | 94.53% | 1.36% | 2.04% |
| Q2 2025 | $357.4M | 94.59% | 1.40% | 1.93% |
| Q3 2025 | $364.4M | 94.25% | 1.37% | 1.91% |
| Q4 2025 | $363.0M | 96.29% | 0.00% | 1.76% |
| Q1 2026 | $373.1M | 95.83% | 0.00% | 1.72% |
| Q2 2026 | $366.0M | 95.35% | 0.00% | 1.63% |
Chelsea State Bank deposit base, all the way back
Deposit Base back to 2001 · peer percentiles on every line item · Excel export
Unlock Chelsea State Bank, freeSource: Call Report Schedules RC-E and RC-O, 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 Chelsea State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14009) · FFIEC NIC profile (RSSD 711548)