How Big Is Charlevoix State Bank?
Charlevoix State Bank holds $255M in total assets and $219M in deposits, making it a community bank by U.S. standards. By total assets it is the 2,366th-largest of the 3,960 FDIC-insured banks we track. Those figures come from Charlevoix State Bank's latest FDIC call report (cert #33926); it is a local community institution, with $100 million to $1 billion in assets.
This page answers a common banking-safety question: How Big Is Charlevoix State Bank?. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Charlevoix State Bank Size at a Glance
- Total assets
- $255M
- Total deposits
- $219M
- Domestic deposits
- $219M
- Size class
- community bank
- Rank by assets
- #2,366 of 3,960
- Headquarters
- Charlevoix, Michigan
Source: FDIC Call Report data (cert #33926). Figures reflect the latest reported quarter.
With $255M in total assets, Charlevoix State Bank is a local community institution, with $100 million to $1 billion in assets. Nationally, that makes it the 2,366th-largest of the 3,960 FDIC-insured banks we track. The bank funds those assets largely with $219M in customer deposits — a typical structure for a U.S. bank, where deposits are the primary funding source for lending.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 19.52% | 100/100 |
| Nonperforming Loan Ratio | 0.12% | 98/100 |
| Liquidity Ratio | 50.56% | 100/100 |
| Return on Assets | 1.32% | 73/100 |
| Total Assets | $0.3B | |
How does Charlevoix State Bank compare?
With a Bank Health Score of 97/100, Charlevoix State Bank sits 27.0 points above the national average of 70/100 for FDIC-insured banks. Within Michigan, where 69 FDIC-insured banks are headquartered, Charlevoix State Bank ranks above the state average of 73/100 (Grade B).
The bank's Tier 1 capital ratio of 19.52% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.12% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Charlevoix State Bank's Bank Health Score held roughly steady at 97/100. Tier 1 capital weakened by 0.23 percentage points to 19.52%. Quarter-over-quarter, the score rose by 1.0 points.
Frequently Asked Questions
Charlevoix State Bank holds $255M in total assets and $219M in deposits, making it a community bank by U.S. standards. By total assets it is the 2,366th-largest of the 3,960 FDIC-insured banks we track. Those figures come from Charlevoix State Bank's latest FDIC call report (cert #33926); it is a local community institution, with $100 million to $1 billion in assets.
Charlevoix State Bank ranks 2,366th by total assets out of the 3,960 FDIC-insured banks BankHealth tracks. Its $255M in assets classify it as a community bank.
Charlevoix State Bank reports $255M in total assets and $219M in total deposits ($219M of it domestic). Total assets include loans, securities, and cash the bank owns; deposits are the money customers have placed with the bank. Deposits are typically a bank's largest funding source, and FDIC insurance covers each depositor up to $250,000 per ownership category.
Size and safety are different things. A bank's size (total assets) measures scale, not health — small banks and large banks can each be financially strong or weak. Charlevoix State Bank earns a Bank Health Score of 97/100 (grade A) on capital, loan quality, liquidity, and profitability, independent of its $255M asset base. For deposits within the $250,000 FDIC limit, size does not change your insurance protection.
Yes. Charlevoix State Bank (FDIC certificate #33926) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about Charlevoix State Bank
Charlevoix State Bank holds $255M in total assets and $219M in deposits, making it a community bank by U.S. standards. By total assets it is the 2,366th-largest of the 3,960 FDIC-insured banks we track. Those figures come from Charlevoix State Bank's latest FDIC call report (cert #33926); it is a local community institution, with $100 million to $1 billion in assets.