Chelsea State Bank

BankChelsea, Michigan
www.chelseastate.bank

Total Assets

$413.9M

Total Deposits

$363.0M

Branches

4

Established

1897

TFS Health Grade

$
C+

79.2 / 100

Average financial health

How we grade

Chelsea State Bank is a bank headquartered in Chelsea, Michigan, established in 1897. With $413.9M in total assets and 4 branch locations, it has a TFS Financial Health Grade of C+ (79.2/100).

Capital & Safety

Tier 1 Capital Ratio
12.68%(8%)
Total Capital Ratio
20.63%(10%)
Non-Performing Loan Ratio
1.26%

Profitability

Return on Assets (ROA)
1.82%(1%)
Return on Equity (ROE)
16.49%(10%)
Net Interest Margin
4.30%
Efficiency Ratio
59.11%(60%)

Lending & Liquidity

Total Loans
$252.5M
Loan-to-Deposit Ratio
68.43%
Net Charge-Off Ratio
-0.01%

Growth

Asset Growth (YoY)
+2.00%
Deposit Growth (YoY)
+0.82%
Net Income
$7.5M

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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