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Charlevoix State Bank
Charlevoix, MI · FDIC Certificate #33926 · Chartered 08/1
Total assets
$248.31M
Total deposits
$220.95M
Total equity
$24.06M
Net loans
$130.44M
Branches (offices)
7
Net income (YTD)
$2.83M
Rank: #2,722 of 4,213 U.S. banks by assets · #51 of 72 in Michigan. Assets changed 2.3% and deposits 1.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.31% |
| Return on equity | 23.53% |
| Net interest margin (YTD) | 4.63% |
| Equity to assets | 9.69% |
| Tier 1 leverage ratio | 10.41% |
| Uninsured deposits (share of deposits) | 17.0% |
| Noncurrent loans (share of loans) | 0.22% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 59.0% |
| Real estate loans (share of loans) | 84.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $110.63M | 84.8% | |
| Commercial & industrial | $10.45M | 8.0% | |
| Consumer / individual | $5.72M | 4.4% | |
| Construction & development | $11.08M | 8.5% | |
| Agricultural | $22.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $313.83M | $299.05M | $1.27M | $13.90M |
| Jun 2023 | $270.88M | $244.47M | $1.97M | $14.93M |
| Jun 2024 | $255.18M | $218.97M | $1.74M | $19.17M |
| Jun 2025 | $242.71M | $216.96M | $2.25M | $22.82M |
| Jun 2026 | $248.31M | $220.95M | $2.83M | $24.06M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Michigan | $220.95M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $220.95M.
Similar-sized banks
Currency Bank ($248.55M) · First Financial Bank ($248.10M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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