BlastPoint's Banking Scorecard
Central Savings Bank
Micro
Specialty: Commercial
MI
FDIC cert 1095
Designations: ✓ Community bank
Sault Sainte Marie, MI
2498
banks in Micro tier nationally
41 in MI
View Micro leaderboard (MI) →
Central Savings Bank shows strong momentum with 1 strength and 6.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 24.00% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$487.1M
+6.7% YoY
+0.2% QoQ
|
+$269.7M |
$217.5M
+2.3% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$328.4M
+29.5% YoY
+18.0% QoQ
|
+$189.2M |
$139.2M
+2.8% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
Top 4% in tier |
| Total Deposits ? |
$428.1M
+1.4% YoY
-3.3% QoQ
|
+$244.4M |
$183.7M
+1.8% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
Top 1% in tier |
| Return on Assets ? |
1.82%
+16.8% YoY
+15.5% QoQ
|
+0.73% |
1.08%
+14.7% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
Top 14% in tier |
| Net Interest Margin ? |
4.83%
+12.5% YoY
+1.5% QoQ
|
+0.98% |
3.85%
+6.6% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Top 13% in tier |
| Efficiency Ratio ? |
43.72%
-7.4% YoY
-4.2% QoQ
|
-24.00% |
67.73%
-4.8% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
Top 4% in tier |
| Delinquency Rate ? |
0.04%
-92.0% YoY
-23.3% QoQ
|
-0.60% |
0.64%
+24.4% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
76% |
| Loan-to-Deposit Ratio ? |
76.72%
+27.8% YoY
+22.1% QoQ
|
+2.19% |
74.53%
+0.5% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
30.33%
-5.3% YoY
+0.9% QoQ
|
+7.94% |
22.39%
-1.3% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
80% |
| Nonperforming Asset Ratio ? |
0.04%
-86.5% YoY
-7.0% QoQ
|
-0.41% |
0.45%
+25.1% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
75% |
| Tier 1 Capital Ratio ? |
14.06%
-1.5% YoY
-0.2% QoQ
|
+5.20% |
8.85%
-3.4% YoY
|
9.37%
-0.1% YoY
|
9.75%
-1.9% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.67%
-19.5% YoY
+50.9% QoQ
|
+0.11% |
0.56%
+0.3% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
81% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
43.72%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Total Deposits
Current: $428.1M · Tier avg: $183.7M
99
99th pctile
Total Assets
Current: $487.1M · Tier avg: $217.5M
96
96th pctile
Efficiency Ratio
Current: 43.72% · Tier avg: 67.73%
96
96th pctile
Total Loans
Current: $328.4M · Tier avg: $139.2M
87
87th pctile
Net Interest Margin
Current: 4.83% · Tier avg: 3.85%
86
86th pctile
Return on Assets
Current: 1.82% · Tier avg: 1.08%
81
81th pctile
Non-Interest Income / Assets
Current: 0.67% · Tier avg: 0.56%
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 30.33% · Tier avg: 22.39%
76
76th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.64%
75
75th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.45%
68
68th pctile
Tier 1 Capital Ratio
Current: 14.06% · Tier avg: 8.85%
51
51th pctile
Loan-to-Deposit Ratio
Current: 76.72% · Tier avg: 74.53%
Top Weaknesses
51
51th pctile
Loan-to-Deposit Ratio
Current: 76.72% · Tier avg: 74.53%
68
68th pctile
Tier 1 Capital Ratio
Current: 14.06% · Tier avg: 8.85%
75
75th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.45%
76
76th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.64%
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 30.33% · Tier avg: 22.39%
81
81th pctile
Non-Interest Income / Assets
Current: 0.67% · Tier avg: 0.56%
86
86th pctile
Return on Assets
Current: 1.82% · Tier avg: 1.08%
87
87th pctile
Net Interest Margin
Current: 4.83% · Tier avg: 3.85%
96
96th pctile
Total Loans
Current: $328.4M · Tier avg: $139.2M
96
96th pctile
Efficiency Ratio
Current: 43.72% · Tier avg: 67.73%
99
99th pctile
Total Assets
Current: $487.1M · Tier avg: $217.5M
99
99th pctile
Total Deposits
Current: $428.1M · Tier avg: $183.7M