Charlevoix State Bank quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $245M | $218M | $129M | $24M | $1M | 2.08% | 21.00% | 4.52% | 0.31% |
| Q4 2025 | $240M | $213M | $128M | $24M | $1M | 2.08% | 22.12% | 4.25% | 0.63% |
| Q3 2025 | $250M | $223M | $121M | $24M | $1M | 2.03% | 21.89% | 4.10% | 0.60% |
| Q2 2025 | $243M | $217M | $121M | $23M | $1M | 1.88% | 20.34% | 3.96% | 0.62% |
| Q1 2025 | $237M | $212M | $122M | $22M | $1M | 1.87% | 20.45% | 3.88% | 0.17% |
| Q4 2024 | $239M | $216M | $122M | $21M | $1M | 1.58% | 20.43% | 3.58% | 0.10% |
| Q3 2024 | $244M | $221M | $117M | $21M | $1M | 1.49% | 19.93% | 3.43% | 0.10% |
| Q2 2024 | $255M | $219M | $116M | $19M | $926K | 1.32% | 18.73% | 3.22% | 0.12% |
| Q1 2024 | $261M | $215M | $114M | $18M | $812K | 1.22% | 17.80% | 3.16% | 0.08% |
| Q4 2023 | $271M | $242M | $113M | $18M | $1M | 1.50% | 26.68% | 3.24% | 0.16% |
| Q3 2023 | $287M | $260M | $113M | $15M | $1M | 1.48% | 27.57% | 3.16% | 0.22% |
| Q2 2023 | $271M | $244M | $113M | $15M | $923K | 1.44% | 26.77% | 3.18% | 0.20% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.