B
Charlevoix State Bank
Rating Date
October 2025
Risk Based
Capital Ratio
20.61
Leverage
Ratio
10.63
Return On
Assets
1.89%
Total
Assets
242.71M
Capital
22.82M
Total
Deposits
216.96M
Net
Income
2.25M
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Weiss Ratings Charlevoix State Bank
Charlevoix, MI 		Click to
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Rating B
Asset Quality Index 8.00
Capitalization Index 9.50
Liquidity Index 4.50
Profitability Index 7.30
Stability Index 6.20
Company Info Charlevoix State Bank
Charlevoix, MI 		Click to
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FDIC Number 33926
Phone Number (231) 547-4411
Website www.charlevoixstatebank.com
Asset Quality Charlevoix State Bank
Charlevoix, MI 		Click to
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1-Year Asset Growth -4.89%
5-Year Asset Growth 4.54%
5-Year Charge-Offs to Average Loans -0.04%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 0.31%
Non-Performing Loans to Capital 2.84%
Non-Performing Loans to Loans 0.62%
Balance Sheet Charlevoix State Bank
Charlevoix, MI 		Click to
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Total Assets 242.71M
Total Deposits 216.96M
Capital and Reserves Charlevoix State Bank
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Capital 22.82M
Leverage Ratio 10.63
Loan Loss Reserves to Loans 1.23%
Risk-Based Capital Ratio 20.61
Liquidity Charlevoix State Bank
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Hot Money Ratio 8.80%
Liquidity Ratio 51.04%
Profitability Charlevoix State Bank
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5-Year Return on Average Assets 1.52%
Net Income 2.25M
Net Interest Spread 4.04%
Operating Profit to Average Assets 1.89%
Overhead Efficiency Ratio 59.29%
Return on Assets 1.89%
Return on Equity 20.30%