Side-by-side · Q2 2026 data
Northern Interstate Bank, N. A. vs Charlevoix State Bank
Metric by metric
| Measure | Northern Interstate Bank, N. A. | Charlevoix State Bank |
|---|---|---|
| TellerScore | 65 | 84 (stronger) |
| Capital cushion | 44 | 54 (stronger) |
| Loan quality | 75 | 93 (stronger) |
| Earnings | 55 | 100 (stronger) |
| Funding & liquidity | 89 | 98 (stronger) |
| Problem-loan coverage | 90 | 98 (stronger) |
| Peer percentile | 29th | 86th |
| Total assets | $193.5M | $248.3M |
| Deposits / shares | $170.8M | $221.0M |
| Capital ratio | 9.36% | 10.41% (stronger) |
| Problem loans | 0.75% | 0.22% (stronger) |
| Net charge-offs | 0.02% | -0.00% (stronger) |
| Return on assets | 0.88% | 2.31% (stronger) |
| Loans ÷ deposits | 47.4% (stronger) | 59.0% |
| Uninsured deposits | 25.1% | 17.0% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Charlevoix State Bank has the higher TellerScore (84 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Northern Interstate Bank, N. A. leads on 1 and Charlevoix State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.