🏦Bank Scorer

CHARLEVOIX STATE BANK

CHARLEVOIX, MI · Supervised by FDIC

Est. 1994FDIC #33,926RSSD: FDIC-33926
Part ofCHARLEVOIX FIRST CORP→ View all charters
Satisfactory Same

Current rating · Exam: August 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.08%

Institution Profile

FDIC BankFind

Address

111 State St, CHARLEVOIX, MI

County

Charlevoix County

Established

August 16, 1994

Total Assets

$245M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

August 1, 2022

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Aug 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$245M

Total Deposits

$218M

Net Loans

$129M

Net Income

$1M

ROA

2.08%

ROE

21.00%

Risk-Based Capital

19.62%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

7

Branch Deposits

$217M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 previous ratings locked — dating back to 1995

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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