Central Savings Bank

BankSault Sainte Marie, Michigan
www.centralsavingsbank.com

Total Assets

$487.1M

Total Deposits

$428.1M

Branches

9

Established

1902

TFS Health Grade

$
B-

81.2 / 100

Good financial health

How we grade

Central Savings Bank is a bank headquartered in Sault Sainte Marie, Michigan, established in 1902. With $487.1M in total assets and 9 branch locations, it has a TFS Financial Health Grade of B- (81.2/100).

Capital & Safety

Tier 1 Capital Ratio
9.25%(8%)
Total Capital Ratio
15.31%(10%)
Non-Performing Loan Ratio
0.04%

Profitability

Return on Assets (ROA)
1.82%(1%)
Return on Equity (ROE)
23.17%(10%)
Net Interest Margin
4.83%
Efficiency Ratio
43.72%(60%)

Lending & Liquidity

Total Loans
$332.5M
Loan-to-Deposit Ratio
76.72%
Net Charge-Off Ratio
0.05%

Growth

Asset Growth (YoY)
+6.65%
Deposit Growth (YoY)
+1.37%
Net Income
$8.5M

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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