Charlevoix State Bank is a state-chartered bank headquartered in Charlevoix, Michigan, in business for about 32 years. At the end of Q2 2026 it reported $248.3M in total assets and $221.0M in deposits, with 7 offices.
Charlevoix State Bank has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 86% of its 2,650 banks with $100 million – $1 billion. Among 72 banks headquartered in Michigan, it ranks 6th. Earnings contributes the most (100/100, 2.31%); capital cushion contributes the least (54/100, 10.41%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 4 points (80 → 84), mostly because the loan quality component improved by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 78 |
| Q3 2024 | 79 |
| Q4 2024 | 83 |
| Q1 2025 | 84 |
| Q2 2025 | 80 |
| Q3 2025 | 79 |
| Q4 2025 | 80 |
| Q1 2026 | 83 |
| Q2 2026 | 84 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.88% |
| Q3 2024 | 9.80% |
| Q4 2024 | 10.60% |
| Q1 2025 | 10.59% |
| Q2 2025 | 10.63% |
| Q3 2025 | 10.02% |
| Q4 2025 | 10.31% |
| Q1 2026 | 10.43% |
| Q2 2026 | 10.41% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.12% |
| Q3 2024 | 0.10% |
| Q4 2024 | 0.10% |
| Q1 2025 | 0.17% |
| Q2 2025 | 0.62% |
| Q3 2025 | 0.60% |
| Q4 2025 | 0.63% |
| Q1 2026 | 0.31% |
| Q2 2026 | 0.22% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.32% |
| Q3 2024 | 1.49% |
| Q4 2024 | 1.58% |
| Q1 2025 | 1.87% |
| Q2 2025 | 1.88% |
| Q3 2025 | 2.03% |
| Q4 2025 | 2.08% |
| Q1 2026 | 2.08% |
| Q2 2026 | 2.31% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 84 | $248.3M | 10.41% | 0.22% | 2.31% | 59.0% |
| Q1 2026 | 83 | $245.3M | 10.43% | 0.31% | 2.08% | 58.9% |
| Q4 2025 | 80 | $239.6M | 10.31% | 0.63% | 2.08% | 60.2% |
| Q3 2025 | 79 | $250.3M | 10.02% | 0.60% | 2.03% | 54.3% |
| Q2 2025 | 80 | $242.7M | 10.63% | 0.62% | 1.88% | 55.8% |
| Q1 2025 | 84 | $236.9M | 10.59% | 0.17% | 1.87% | 57.4% |
| Q4 2024 | 83 | $238.7M | 10.60% | 0.10% | 1.58% | 56.4% |
| Q3 2024 | 79 | $243.7M | 9.80% | 0.10% | 1.49% | 53.3% |
| Q2 2024 | 78 | $255.2M | 9.88% | 0.12% | 1.32% | 53.2% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Michigan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mi BankBank Bloomfield Township, MI | 63 out of 100, Moderate | $245.5M | 9.1% | 0.19% | vs |
| Capitol National BankBank Lansing, MI | 75 out of 100, Strong | $209.3M | 16.7% | 1.49% | vs |
| Huron Valley State BankBank Milford, MI | 53 out of 100, Below average | $291.9M | 10.0% | 1.70% | vs |
| Northern Interstate Bank, N. A.Bank Norway, MI | 65 out of 100, Moderate | $193.5M | 9.4% | 0.75% | vs |
| Peoples State Bank of MunisingBank Munising, MI | 48 out of 100, Below average | $190.4M | 12.7% | 3.39% | vs |
| Dearborn Federal Savings BankBank Dearborn, MI | 72 out of 100, Strong | $306.6M | 25.9% | 0.64% | vs |
Deposit insurance
Is my money safe at Charlevoix State Bank?
Yes. Charlevoix State Bank is an FDIC-insured institution (FDIC certificate #33926). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 17.0% of deposits ($37.5M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.41%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.51% (benchmark: 10%).
7 locations
Branches
Charlevoix State Bank lists 4 offices in 4 cities. Most locations:
- Boyne City, MI (1)
- Charlevoix, MI (1)
- East Jordan, MI (1)
- Ellsworth, MI (1)
Identity & history
Profile
- Legal name
- Charlevoix State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 33926
- RSSD ID
- 2232757
- Primary regulator
- FDIC
- Holding company
- Charlevoix First Corp
- Established
- August 16, 1994
- Headquarters
- 111 State St, Charlevoix, MI 49720
- Website
- www.charlevoixstatebank.com
- Employees
- 39
Quick answers
Charlevoix State Bank: common questions
Is Charlevoix State Bank FDIC insured?
Yes. Charlevoix State Bank is an FDIC-insured institution (FDIC certificate #33926). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Charlevoix State Bank's TellerScore?
84 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Charlevoix State Bank ever failed?
There is no failure record for FDIC certificate #33926 in the FDIC failed bank list.
How many branches does Charlevoix State Bank have?
7 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Charlevoix
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| St. Francis X Federal Credit UnionCredit union Petoskey, MI | 89 out of 100, Very strong | $268.8M | 13.9% | 0.11% | vs |
| Alden State BankBank Alden, MI | 86 out of 100, Very strong | $318.4M | 12.7% | 0.26% | vs |
| First Community BankBank Harbor Springs, MI | 77 out of 100, Strong | $413.6M | 9.9% | 0.00% | vs |
| Horizon BankBank Michigan City, IN | 72 out of 100, Strong | $6.5B | 10.5% | 0.70% | vs |
| Nicolet National BankBank Green Bay, WI | 64 out of 100, Moderate | $15.4B | 9.6% | 0.63% | vs |
| Fifth Third Bank, National AssociationBank Cincinnati, OH | 62 out of 100, Moderate | $299.2B | 10.0% | 0.84% | vs |