Chelsea 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.
Reserve coverage of non-performing loans dropped 11.35 percentage points in Q2 2026, from 129.54% to 118.19%. It was the largest change from Q1 2026 among the key lines here. Within Michigan, Chelsea State Bank is 10th of 72 on return on assets, 1.86% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Chelsea State Bank sits 0.60 points higher, at 1.86% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.50% |
| Tier 1 risk-based capital ratio | 19.50% |
| Total risk-based capital ratio | 20.76% |
| Tier 1 leverage ratio | 12.76% |
| Equity capital to assets | 11.54% |
| Tangible equity to tangible assets | 11.54% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.33% |
| Non-performing assets ratio | 0.96% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 7.68% |
| Allowance for credit losses to loans | 1.57% |
| Reserve coverage of non-performing loans | 118.19% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.86% |
| Return on equity | 16.45% |
| Net interest margin | 4.39% |
| Efficiency ratio | 58.61% |
| Yield on earning assets | 5.46% |
| Cost of funds | 1.16% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.06% |
| Core deposits to total deposits | 95.35% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.86% |
| Securities to assets | 19.23% |
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 | 18.36% | 18.36% | 19.62% | 11.43% | 2.14% |
| Q4 2023 | 17.60% | 17.60% | 18.85% | 11.48% | 1.97% |
| Q1 2024 | 17.55% | 17.55% | 18.80% | 11.44% | 1.28% |
| Q2 2024 | 17.61% | 17.61% | 18.86% | 12.01% | 1.55% |
| Q3 2024 | 18.14% | 18.14% | 19.40% | 12.66% | 2.60% |
| Q4 2024 | 17.53% | 17.53% | 18.78% | 12.51% | 1.89% |
| Q1 2025 | 18.09% | 18.09% | 19.35% | 12.46% | 1.77% |
| Q2 2025 | 18.62% | 18.62% | 19.87% | 12.72% | 1.74% |
| Q3 2025 | 19.23% | 19.23% | 20.48% | 12.87% | 1.86% |
| Q4 2025 | 19.38% | 19.38% | 20.63% | 12.68% | 1.80% |
| Q1 2026 | 18.70% | 18.70% | 19.95% | 12.17% | 1.27% |
| Q2 2026 | 19.50% | 19.50% | 20.76% | 12.76% | 1.86% |
Chelsea State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Chelsea 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 Chelsea State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14009) · FFIEC NIC profile (RSSD 711548)