Charlevoix State Bank
Charlevoix, MI · Owner: Charlevoix First Corp
$248M
total assets, June 30, 2026
$248M
total assets, June 30, 2026
Charlevoix State Bank is a state nonmember bank based in Charlevoix, MI, owned by Charlevoix First Corp. As of June 30, 2026 it held $248.3 million in assets and $221.0 million in deposits; assets were up 2.3% from a year before. It has 7 branches.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$248M
+2.3% in a year · +1.2% in a quarter
Deposits
$221M
+1.8% in a year · +1.2% in a quarter
Loans
$132M
+7.7% in a year · +1.3% in a quarter
Profit so far
$2.8M
Jan 1 to Jun 30, 2026 · +25.7% in a year
Capital ratio
10.40%
-0.23 pts in a year
Return on assets
2.31%
+0.43 pts in a year
Facts
- Type
- State nonmember bank
- Head office
- 111 State St, Charlevoix, MI, 49720
- County
- Charlevoix
- Holding company
- Charlevoix First Corp
- Established
- Aug 16, 1994
- Employees
- 39
- Branches
- 7
- Website
- www.charlevoixstatebank.com
- Id
- b33926
Quarter by quarter
September 30, 1994 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
7 offices as of June 30, 2026, holding $221.0 million in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| Michigan | 7 | $221M | 100.0% |
| Largest branches | Place | Deposits |
|---|---|---|
| Charlevoix State Bank (main office) | Charlevoix, MI | $148M |
| East Jordan Branch | East Jordan, MI | $31.5M |
| Boyne City Branch | Boyne City, MI | $21.7M |
| Beaver Island Branch | Beaver Island, MI | $15.0M |
| Ellsworth Branch | Ellsworth, MI | $4.8M |
| Southside Branch | Charlevoix, MI | $0 |
| Www.Charlevoixstatebank.Com Branch | Charlevoix, MI | $0 |
Related pages
Questions and answers
How big is Charlevoix State Bank?
$248.3 million in total assets and $221.0 million in deposits as of June 30, 2026, with assets up 2.3% from a year before. Its loans were $131.9 million.
How many branches does Charlevoix State Bank have?
7 branches in Michigan as of June 30, 2026.
Is Charlevoix State Bank profitable?
Yes: it earned $2.83 million from January 1 to June 30, 2026 (up 25.7% from the same months a year before). Its return on assets was 2.31% a year; about 1% is typical.
Who owns Charlevoix State Bank?
Charlevoix State Bank is owned by Charlevoix First Corp, its holding company.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.