| Metric | Chelsea State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +4.4% | -1.4 pts |
| Deposit growth (YoY) | +2.4% | +4.0% | -1.6 pts |
| Loan growth (YoY) | -1.6% | +5.6% | -7.2 pts |
| ROA | 1.57% | 1.24% | +0.3 pts |
| ROE | 13.9% | 11.9% | +2.0 pts |
ROA ranks in the 70th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $416.5M | $366.0M | $252.4M | $48.1M | $3.3M | 1.57% | 4.14% | 0.96% |
| Q1 2026 | $422.3M | $373.1M | $252.6M | $45.8M | $1.4M | 1.29% | 3.94% | 0.89% |
| Q4 2025 | $413.9M | $363.0M | $248.4M | $48.0M | $7.5M | 1.82% | 4.30% | 0.91% |
| Q3 2025 | $414.3M | $364.4M | $252.2M | $47.2M | $5.6M | 1.82% | 4.28% | 0.18% |
| Q2 2025 | $404.7M | $357.4M | $256.4M | $44.6M | $3.6M | 1.78% | 4.27% | 0.20% |
| Q1 2025 | $414.0M | $366.7M | $258.1M | $44.0M | $1.8M | 1.79% | 4.16% | 0.20% |
| Q4 2024 | $405.8M | $360.1M | $259.0M | $42.8M | $7.5M | 1.84% | 4.52% | 0.18% |
| Q3 2024 | $396.6M | $349.0M | $254.1M | $44.8M | $5.6M | 1.83% | 4.55% | 0.22% |
Loan mix (Q2 2026): real estate $182.2M · commercial $67.7M · consumer $1.4M · securities $80.1M
| Ratio | Chelsea State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.57% | 1.24% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 13.9% | 11.9% | 62nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.0% | 62.9% | 51st |
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 | Chelsea 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 | Chelsea State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Chelsea 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 | Chelsea 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 | Chelsea State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
4 branches in 2 counties across 1 state (+1 vs 2024) · $357.4M branch deposits. Biggest market: Washtenaw, MI, ranked 11th with 2.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Washtenaw, MI | 3 | $357.0M | 2.53% | 11th |
| Jackson, MI | 1 | $426K | 0.01% | 20th |
Michigan: 106th with 0.10% · Ann Arbor metro: 11th, 2.53% · Jackson metro: 20th, 0.01% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 4