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 Charlevoix State Bank
Charlevoix State Bank
| RSSD ID 2232757 | CERTIFICATE 33926 | ABA NUMBER 72413683 |
| 111 State St |
Quarter Ended : |
2025-12-31 |
| Charlevoix, Michigan, 49720 |
Updated : |
2026-01-22 |
| www.charlevoixstatebank.com |
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| Institution Profile |
| Year Opened : |
1994 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
Yes |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
All Other Under 1 Billion |
| Number of Offices : |
7 |
Number of Employees : |
41 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 239,636 |
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Total Interest Income | 10,923 |
| Total Liabilities | 215,653 |
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Total NonInterest Income | 2,778 |
| Total Bank Equity Capital | 23,983 |
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Total Interest Expense | 1,373 |
| Total Deposits | 212,847 |
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Total NonInterest Expense | 7,290 |
| Net Loans & Leases | 127,492 |
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Net Income | 5,038 |
| Loan Loss Allowance | 1,491 |
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Net Charge Offs | 30 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 26,741 |
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Total loans | 125,644 |
| Total assets for the leverage ratio | 244,598 |
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Loans secured by real estate: | 103,848 |
| Tier 1 Leverage Ratio | 10.31 |
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Commercial and industrial loans | 11,480 |
| Tier 1 Capital Ratio | 18.42 |
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Loans to individuals - Credit Cards | 502 |
| Total Capital Ratio | 19.54 |
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Loans to individuals - Other | 5,481 |
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:· Charlevoix State Bank
