Bank Comparison
Charlevoix State Bank vs Buckeye Community Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 11
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Charlevoix State Bank | Buckeye Community Bank |
|---|---|---|
| CET1 Ratio | 18.50% | 15.75% |
| Tier 1 Capital Ratio | 18.50% | 15.75% |
| Total Capital Ratio | 19.62% | 16.90% |
| Tier 1 Leverage Ratio | 10.43% | 12.82% |
| Equity / Assets | 9.79% | 12.12% |
Profitability
| Metric | Charlevoix State Bank | Buckeye Community Bank |
|---|---|---|
| Return on Assets (ROA) | 2.09% | 0.65% |
| Return on Equity (ROE) | 21.00% | 5.35% |
| Net Interest Margin (NIM) | 4.60% | 4.13% |
| Yield on Earning Assets | 5.16% | 5.88% |
| Cost of Funds | 0.57% | 1.85% |
Asset quality
| Metric | Charlevoix State Bank | Buckeye Community Bank |
|---|---|---|
| Texas Ratio | 1.56% | 0.15% |
| Non-Performing Loan Ratio | 0.31% | 0.03% |
| Non-Performing Asset Ratio | 0.16% | 0.02% |
| Net Charge-Off Ratio | 0.00% | -0.04% |
| ACL / Loans | 1.15% | 1.16% |
Balance sheet
| Metric | Charlevoix State Bank | Buckeye Community Bank |
|---|---|---|
| Total Assets | $245,318K | $245,063K |
| Total Deposits | $218,423K | $213,980K |
| Total Loans | $130,185K | $190,917K |
| Total Equity | $24,026K | $29,710K |
| Net Income (quarter) | $1,260K | $395 |
Liquidity & funding
| Metric | Charlevoix State Bank | Buckeye Community Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 59.60% | 89.22% |
| Core Deposit Ratio | 96.54% | 94.89% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Charlevoix State Bank | Buckeye Community Bank |
|---|---|---|
| Headquarters City | CHARLEVOIX | ELYRIA |
| Headquarters State | MI | OH |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 7 | 2 |
| Employees (FTE) | 37 | 44 |
| Established | Aug. 16, 1994, midnight | Oct. 12, 1999, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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