Central Savings Bank vs Chelsea State Bank
Side-by-side bank health comparison using FDIC financial data
Verdict
Central Savings Bank has a stronger Bank Health Score of 97/100 (A) compared to Chelsea State Bank at 97/100 (A), a difference of 0 points. Central Savings Bank holds a Tier 1 capital ratio of 14.64% and an NPL ratio of 0.14%.
| Metric | Central Savings Bank | Chelsea State Bank |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 97/100 (A) | 97/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 14.6% | 17.6%* |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.1% | 0.1%* |
| Liquidity Ratio Cash and liquid assets vs obligations | 45.5%* | 33.3% |
| Return on Assets Profitability metric (above 1% is strong) | 1.8%* | 1.4% |
| Total Assets | $452M | $407M |
| Total Deposits | $421M | $364M |
| Location | Sault Sainte Mar, Michigan | Chelsea, Michigan |
Central Savings Bank has a stronger Bank Health Score of 97/100 (A) compared to Chelsea State Bank at 97/100 (A), a difference of 0 points. Central Savings Bank holds a Tier 1 capital ratio of 14.64% and an NPL ratio of 0.14%.