Charlevoix State Bank

BankCharlevoix, Michigan
www.charlevoixstatebank.com

Total Assets

$239.6M

Total Deposits

$212.8M

Branches

7

Established

1994

TFS Health Grade

$
C

76.3 / 100

Average financial health

How we grade

Charlevoix State Bank is a bank headquartered in Charlevoix, Michigan, established in 1994. With $239.6M in total assets and 7 branch locations, it has a TFS Financial Health Grade of C (76.3/100).

Capital & Safety

Tier 1 Capital Ratio
10.31%(8%)
Total Capital Ratio
19.54%(10%)
Non-Performing Loan Ratio
0.63%

Profitability

Return on Assets (ROA)
2.08%(1%)
Return on Equity (ROE)
22.12%(10%)
Net Interest Margin
4.25%
Efficiency Ratio
59.13%(60%)

Lending & Liquidity

Total Loans
$129.6M
Loan-to-Deposit Ratio
60.18%
Net Charge-Off Ratio
0.02%

Growth

Asset Growth (YoY)
+0.41%
Deposit Growth (YoY)
-1.29%
Net Income
$5.0M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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