Side-by-side · Q2 2026 data
Charlevoix State Bank vs Mi Bank
Metric by metric
| Measure | Charlevoix State Bank | Mi Bank |
|---|---|---|
| TellerScore | 84 (stronger) | 63 |
| Capital cushion | 54 (stronger) | 41 |
| Loan quality | 93 | 94 (stronger) |
| Earnings | 100 (stronger) | 57 |
| Funding & liquidity | 98 (stronger) | 40 |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 86th | 24th |
| Total assets | $248.3M | $245.5M |
| Deposits / shares | $221.0M | $220.9M |
| Capital ratio | 10.41% (stronger) | 9.14% |
| Problem loans | 0.22% | 0.19% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 2.31% (stronger) | 0.92% |
| Loans ÷ deposits | 59.0% (stronger) | 93.7% |
| Uninsured deposits | 17.0% (stronger) | 38.7% |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Charlevoix State Bank has the higher TellerScore (84 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Charlevoix State Bank leads on 6 and Mi Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.