Side-by-side · Q2 2026 data
Charlevoix State Bank vs Huron Valley State Bank
Metric by metric
| Measure | Charlevoix State Bank | Huron Valley State Bank |
|---|---|---|
| TellerScore | 84 (stronger) | 53 |
| Capital cushion | 54 (stronger) | 50 |
| Loan quality | 93 (stronger) | 43 |
| Earnings | 100 (stronger) | 58 |
| Funding & liquidity | 98 (stronger) | 55 |
| Problem-loan coverage | 98 (stronger) | 73 |
| Peer percentile | 86th | 9th |
| Total assets | $248.3M | $291.9M |
| Deposits / shares | $221.0M | $261.4M |
| Capital ratio | 10.41% (stronger) | 9.96% |
| Problem loans | 0.22% (stronger) | 1.70% |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 2.31% (stronger) | 0.95% |
| Loans ÷ deposits | 59.0% (stronger) | 92.0% |
| Uninsured deposits | 17.0% (stronger) | 27.4% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Charlevoix State Bank has the higher TellerScore (84 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Charlevoix State Bank leads on 7 and Huron Valley State Bank on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.