| Metric | Charlevoix State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +4.4% | -2.1 pts |
| Deposit growth (YoY) | +1.8% | +4.0% | -2.1 pts |
| Loan growth (YoY) | +7.8% | +5.6% | +2.3 pts |
| ROA | 2.31% | 1.24% | +1.1 pts |
| ROE | 23.5% | 11.9% | +11.7 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $248.3M | $221.0M | $130.4M | $24.1M | $2.8M | 2.31% | 4.63% | 0.12% |
| Q1 2026 | $245.3M | $218.4M | $128.7M | $24.0M | $1.3M | 2.08% | 4.52% | 0.16% |
| Q4 2025 | $239.6M | $212.8M | $128.1M | $24.0M | $5.0M | 2.08% | 4.25% | 0.34% |
| Q3 2025 | $250.3M | $223.5M | $121.3M | $23.6M | $3.7M | 2.03% | 4.10% | 0.30% |
| Q2 2025 | $242.7M | $217.0M | $121.0M | $22.8M | $2.2M | 1.88% | 3.96% | 0.31% |
| Q1 2025 | $236.9M | $211.8M | $121.7M | $22.3M | $1.1M | 1.87% | 3.88% | 0.09% |
| Q4 2024 | $238.7M | $215.6M | $121.7M | $21.2M | $4.0M | 1.58% | 3.58% | 0.05% |
| Q3 2024 | $243.7M | $220.5M | $117.5M | $21.4M | $2.9M | 1.49% | 3.43% | 0.06% |
Loan mix (Q2 2026): real estate $110.6M · commercial $10.4M · consumer $5.7M · securities $64.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Charlevoix State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.31% | 1.24% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 23.5% | 11.9% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.63% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.9% | 62.9% | 32th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Charlevoix State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Charlevoix State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Charlevoix State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Charlevoix State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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