B
Central Savings Bank
Rating Date
March 2026
Risk Based
Capital Ratio
15.31
Leverage
Ratio
9.25
Return On
Assets
1.77%
Total
Assets
487.15M
Capital
40.87M
Total
Deposits
428.08M
Net
Income
8.53M
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Weiss Ratings Central Savings Bank
Sault Sainte Marie, MI 		Click to
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Rating B
Asset Quality Index 7.20
Capitalization Index 7.40
Liquidity Index 2.70
Profitability Index 8.80
Stability Index 5.40
Company Info Central Savings Bank
Sault Sainte Marie, MI 		Click to
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FDIC Number 1095
Phone Number (906) 635-6250
Website www.centralsavingsbank.com
Asset Quality Central Savings Bank
Sault Sainte Marie, MI 		Click to
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1-Year Asset Growth 6.65%
5-Year Asset Growth 9.70%
5-Year Charge-Offs to Average Loans 0.04%
Charge-Offs to Average Loans 0.05%
Non-Performing Assets to Assets 0.01%
Non-Performing Loans to Capital 0.27%
Non-Performing Loans to Loans 0.00%
Balance Sheet Central Savings Bank
Sault Sainte Marie, MI 		Click to
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Total Assets 487.15M
Total Deposits 428.08M
Capital and Reserves Central Savings Bank
Sault Sainte Marie, MI 		Click to
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Capital 40.87M
Leverage Ratio 9.25
Loan Loss Reserves to Loans 1.23%
Risk-Based Capital Ratio 15.31
Liquidity Central Savings Bank
Sault Sainte Marie, MI 		Click to
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Hot Money Ratio 9.03%
Liquidity Ratio 18.73%
Profitability Central Savings Bank
Sault Sainte Marie, MI 		Click to
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5-Year Return on Average Assets 1.23%
Net Income 8.53M
Net Interest Spread 4.64%
Operating Profit to Average Assets 2.21%
Overhead Efficiency Ratio 44.25%
Return on Assets 1.77%
Return on Equity 23.07%