BlastPoint's Banking Scorecard
Charlevoix State Bank
Micro
Specialty: Commercial
MI
FDIC cert 33926
Designations: ✓ Community bank
Charlevoix, MI
2498
banks in Micro tier nationally
41 in MI
View Micro leaderboard (MI) →
Charlevoix State Bank demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.00% above tier
- + Non-Interest-Bearing Deposit Share 19.44% above tier
- + Non-Interest Income / Assets 0.60% above 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 ? |
$239.6M
+0.4% YoY
-4.3% QoQ
|
+$22.1M |
$217.5M
+2.3% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
60% |
| Total Loans ? |
$128.1M
+5.3% YoY
+5.6% QoQ
|
-$11.1M |
$139.2M
+2.8% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
53% |
| Total Deposits ? |
$212.8M
-1.3% YoY
-4.8% QoQ
|
+$29.2M |
$183.7M
+1.8% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
63% |
| Return on Assets ? |
2.08%
+31.8% YoY
+2.6% QoQ
|
+1.00% |
1.08%
+14.7% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
Top 8% in tier |
| Net Interest Margin ? |
4.25%
+18.6% YoY
+3.5% QoQ
|
+0.39% |
3.85%
+6.6% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
70% |
| Efficiency Ratio ? |
59.13%
-7.3% YoY
+0.1% QoQ
|
-8.59% |
67.73%
-4.8% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
69% |
| Delinquency Rate ? |
0.64%
+538.3% YoY
+4.9% QoQ
|
0 |
0.64%
+24.4% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
60.18%
+6.7% YoY
+10.9% QoQ
|
-14.34% |
74.53%
+0.5% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? |
41.84%
+4.8% YoY
-3.4% QoQ
|
+19.44% |
22.39%
-1.3% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
Top 6% in tier |
| Nonperforming Asset Ratio ? |
0.34%
+569.4% YoY
+15.7% QoQ
|
-0.11% |
0.45%
+25.1% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
47% |
| Tier 1 Capital Ratio ? |
18.42%
-2.6% YoY
-3.8% QoQ
|
+9.57% |
8.85%
-3.4% YoY
|
9.37%
-0.1% YoY
|
9.75%
-1.9% YoY
|
83% |
| Non-Interest Income / Assets ? |
1.16%
+5.6% YoY
+39.0% QoQ
|
+0.60% |
0.56%
+0.3% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
Top 6% in tier |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 8%
in Micro
Why this stands out
Current:
2.08%
(Tier avg: 1.08%, National avg: 1.12%)
Non-Interest-Bearing Deposit Share
metric
Top 6%
in Micro
Why this stands out
Current:
41.84%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Top 6%
in Micro
Why this stands out
Current:
1.16%
(Tier avg: 0.56%, National avg: 0.65%)
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
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 41.84% · Tier avg: 22.39%
94
94th pctile
Non-Interest Income / Assets
Current: 1.16% · Tier avg: 0.56%
92
92th pctile
Return on Assets
Current: 2.08% · Tier avg: 1.08%
83
83th pctile
Tier 1 Capital Ratio
Current: 18.42% · Tier avg: 8.85%
70
70th pctile
Net Interest Margin
Current: 4.25% · Tier avg: 3.85%
69
69th pctile
Efficiency Ratio
Current: 59.13% · Tier avg: 67.73%
63
63th pctile
Total Deposits
Current: $212.8M · Tier avg: $183.7M
60
60th pctile
Total Assets
Current: $239.6M · Tier avg: $217.5M
53
53th pctile
Total Loans
Current: $128.1M · Tier avg: $139.2M
47
47th pctile
Nonperforming Asset Ratio
Current: 0.34% · Tier avg: 0.45%
40
40th pctile
Delinquency Rate
Current: 0.64% · Tier avg: 0.64%
24
24th pctile
Loan-to-Deposit Ratio
Current: 60.18% · Tier avg: 74.53%
Top Weaknesses
24
24th pctile
Loan-to-Deposit Ratio
Current: 60.18% · Tier avg: 74.53%
40
40th pctile
Delinquency Rate
Current: 0.64% · Tier avg: 0.64%
47
47th pctile
Nonperforming Asset Ratio
Current: 0.34% · Tier avg: 0.45%
53
53th pctile
Total Loans
Current: $128.1M · Tier avg: $139.2M
60
60th pctile
Total Assets
Current: $239.6M · Tier avg: $217.5M
63
63th pctile
Total Deposits
Current: $212.8M · Tier avg: $183.7M
69
69th pctile
Efficiency Ratio
Current: 59.13% · Tier avg: 67.73%
70
70th pctile
Net Interest Margin
Current: 4.25% · Tier avg: 3.85%
83
83th pctile
Tier 1 Capital Ratio
Current: 18.42% · Tier avg: 8.85%
92
92th pctile
Return on Assets
Current: 2.08% · Tier avg: 1.08%
94
94th pctile
Non-Interest Income / Assets
Current: 1.16% · Tier avg: 0.56%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 41.84% · Tier avg: 22.39%