B
Charlevoix State Bank
Rating Date
October 2025
Risk Based
Capital Ratio
20.33
Leverage
Ratio
10.02
Return On
Assets
2.03%
Total
Assets
250.28M
Capital
23.56M
Total
Deposits
223.47M
Net
Income
3.69M
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Weiss Ratings Charlevoix State Bank
Charlevoix, MI 		Click to
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Rating B
Asset Quality Index 8.10
Capitalization Index 8.50
Liquidity Index 4.60
Profitability Index 8.20
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 2.70%
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 0.30%
Non-Performing Loans to Capital 2.77%
Non-Performing Loans to Loans 0.60%
Balance Sheet Charlevoix State Bank
Charlevoix, MI 		Click to
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Total Assets 250.28M
Total Deposits 223.47M
Capital and Reserves Charlevoix State Bank
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Capital 23.56M
Leverage Ratio 10.02
Loan Loss Reserves to Loans 1.23%
Risk-Based Capital Ratio 20.33
Liquidity Charlevoix State Bank
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Hot Money Ratio 8.07%
Liquidity Ratio 52.67%
Profitability Charlevoix State Bank
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5-Year Return on Average Assets 1.52%
Net Income 3.69M
Net Interest Spread 4.10%
Operating Profit to Average Assets 2.03%
Overhead Efficiency Ratio 59.05%
Return on Assets 2.03%
Return on Equity 21.86%