# CSB BANK
CAPAC, MI · FDIC certificate 14538 · asset band <$300M · latest filing 2016-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $254.2M | |
| Deposits | $227.3M | |
| Loans and leases | $134.3M | |
| Total equity | $23.5M | |
| Loans / deposits | 58.55% (p25 of band) | 75.30% |
| Liquid assets / assets | 42.50% (p70 of band) | |
| Uninsured deposits / deposits | 8.35% (p22 of band) | 14.23% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.98% (p44 of band) | |
| FHLB advances / assets | 0.98% | |
| Tier 1 leverage | 8.93% (p16 of band) | 10.87% |
| Unrealized securities loss / equity | 4.51% (p78 of band) | 1.65% |
| AOCI / equity | 2.64% (p83 of band) | |
| ROA (annualized) | 0.63% (p32 of band) | 0.88% |
| Net interest margin | 3.21% (p25 of band) | 3.67% |
| Efficiency ratio | 78.70% (p67 of band) | |
| Noncurrent loans | 0.74% (p52 of band) | 0.69% |
| Net charge-offs (annualized) | 0.16% (p85 of band) | |
| Reserve coverage of noncurrent | 122.33% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 16.92% (p52 of band) | |
| Auto loans | $3.8M (2.85% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.9% | |
| Employees | 76 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | charge-offs p90 |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | charge-offs p90 |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-06-23 [Katie Weis Joins Community State Bank as Human Resources Director - Kenosha.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxQV2VKbGxOdGhwSERUa2h5NDBFWDR5NkVnVmNuanR2eElOejY0Z2pfS0N3ZERJT2FKRkZLY0pHU2ZYQU1rTzg3bmRRREg4MGNJQ2NXNmVWa1hTQ2dySlY0T1ozR2xVQzBSX1BKOWVjdXlPOFpJYnlSWjJ3SGp6Q0Rvb1MzQ1ZPNHBlSUcxaW9yd2MwZFFoaW9OVnpyd1o?oc=5) · Kenosha.com
- 2016-02-18 [Lapeer County, Capac banks merging - Times Herald](https://news.google.com/rss/articles/CBMipAFBVV95cUxNalA0RHhpRktlbjUwdHllQk1HTnZNQk8wOVhFWWszb29iSmN0NEpkNFdaRy1FZWN2My1YZzhVWE5DQXExTGZmYWRpenQzdU5lMm5Oc0t0aEQ0MTR4RnZjTnl0T3g4YUdDemVRbi14NmFQMFhjYmp6TkxNZ3hvV18tUDhuUEF0cGVLU2cxeWgxREN3R0FMbkNXREhndFNVazdJYXNIcg?oc=5) · Times Herald
- 2026-06-26 [Is Now The Time To Put CSB Bank (NSE:CSBBANK) On Your Watchlist? - simplywall.st](https://news.google.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?oc=5) · simplywall.st
- 2021-12-13 [Watsa’s Fairfax keen to hold on to stake in CSB - timesofindia.indiatimes.com](https://news.google.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?oc=5) · timesofindia.indiatimes.com
- 2013-11-29 [Jessica L DeShon - Pollock-Randall Funeral Home - Port Huron, MI](https://news.google.com/rss/articles/CBMiU0FVX3lxTE5JV2pDTEJOZ0hFN1hrdzIwQndjQUZIX1BTSmhwOVBlTVFWQkQzU19ZbURiQTBVNnlxTnR4SUdxdm9ybVlUSUtuNWVsQ01XTVU4enZn?oc=5) · Pollock-Randall Funeral Home - Port Huron, MI
- 2026-09-09 [IIFL Finance Denies Talks With Fairfax Over Stake Sale In IDBI Bank Deal; CSB Bank Too Rejects Report - NDTV Profit](https://news.google.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?oc=5) · NDTV Profit
- 2026-01-29 [Institutions along with public companies who hold considerable shares inCSB Bank Limited (NSE:CSBBANK) come under pressure; lose 9.9% of holdings value - simplywall.st](https://news.google.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?oc=5) · simplywall.st
- 2024-08-10 [CSB Bank - Top 10 stocks that FIIs bought and sold in June quarter - economictimes.com](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQdjRudFdUS2pjSEpxVGZtXzNyYlZmLVkta0oyV3F1ZkxKOXhBV2t6eExFR29vOGRkMlFKVEJDdzd2bVdkZEVxVnc1bGQwT19wd2I5cUt0RmdabkpHWlVheGZYVHNzY3lTcDNieHpHdHlPeTNUVU9fMjhreHIzX2lzV3RxeEQxU2xuX0paUmVKNVpRem5YY3k3a1N6U0VwRDd0YUMwbkhMOE9aQURzS0Zaa1M4TWJBRkRkOV9najFyb2RwX1IycWNZa1lOVmZuMmx6cHc?oc=5) · economictimes.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14538 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/10.json (key "14538", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide