Chelsea State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Chelsea State Bank of Chelsea, 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 | 1.86% | 1.35% | +0.51% | 81st top |
| ROAE | 16.45% | 12.05% | +4.40% | 73rd above |
| Net Interest Margin | 4.39% | 3.90% | +0.49% | 75th top |
| Efficiency Ratio | 58.61% | 63.15% | -4.54% | 58th above |
| PPNR / Avg Assets | 1.75% | 1.64% | +0.11% | 59th above |
| Yield on Earning Assets | 5.46% | 5.65% | -0.19% | 43rd below |
| Cost of Funds | 1.16% | 1.85% | -0.69% | 86th top |
| Net Interest Spread | 3.83% | 3.35% | +0.48% | 76th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.33% | 0.92% | +0.41% | 21st bottom |
| NPA / Total Assets | 0.96% | 0.67% | +0.29% | 21st bottom |
| NCO / Avg Loans | -0.01% | 0.15% | -0.16% | 86th top |
| ACL / Total Loans | 1.57% | 1.28% | +0.29% | 82nd top |
| ACL / NPLs (Coverage) | 118.19% | 1645.79% | -1527.60% | 33rd below |
| Texas Ratio | 7.68% | 7.15% | +0.53% | 29th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 19.50% | 20.83% | -1.33% | 75th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 19.50% | 20.86% | -1.36% | 75th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 20.76% | 21.94% | -1.18% | 76th top |
| Leverage Ratio | 12.76% | 12.46% | +0.30% | 73rd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.54% | 11.67% | -0.13% | 66th above |
| TCE / Tangible Assets | 11.54% | 11.40% | +0.14% | 69th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 70.06% | 78.65% | -8.59% | 70th above |
| Core Deposit Ratio | 95.35% | 87.09% | +8.26% | 86th top |
| Wholesale Funding Ratio | 0.03% | 5.12% | -5.09% | 98th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.93% | 6.48% | -3.55% | 39th below |
| Loan Growth (Y/Y) | -1.64% | 7.64% | -9.28% | 16th bottom |
| Deposit Growth (Y/Y) | 2.40% | 6.02% | -3.62% | 38th below |
See Chelsea State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Chelsea 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 Chelsea State Bank profile, how to read a UBPR, or how this data updates.