Side-by-side · Q2 2026 data
Capitol National Bank vs Charlevoix State Bank
Metric by metric
| Measure | Capitol National Bank | Charlevoix State Bank |
|---|---|---|
| TellerScore | 75 | 84 (stronger) |
| Capital cushion | 100 (stronger) | 54 |
| Loan quality | 50 | 93 (stronger) |
| Earnings | 92 | 100 (stronger) |
| Funding & liquidity | 38 | 98 (stronger) |
| Problem-loan coverage | 86 | 98 (stronger) |
| Peer percentile | 61st | 86th |
| Total assets | $209.3M | $248.3M |
| Deposits / shares | $162.1M | $221.0M |
| Capital ratio | 16.74% (stronger) | 10.41% |
| Problem loans | 1.49% | 0.22% (stronger) |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 1.79% | 2.31% (stronger) |
| Loans ÷ deposits | 102.7% | 59.0% (stronger) |
| Uninsured deposits | 32.8% | 17.0% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Charlevoix State Bank has the higher TellerScore (84 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Capitol National Bank leads on 1 and Charlevoix State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.