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Overview / Commentary
206 North Main Street
Capac, MI 48014

CSB Bank is headquartered in Capac and is the 54th largest bank in the state of Michigan. It is also the 2,732nd largest bank in the nation. It was established in 1898 and as of December of 2013, it had grown to 79 employees at 8 locations. CSB Bank has a A health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 CSB Bank had $872,000 in non-current loans and owned real-estate with $21.65 million in equity and loan loss allowances on hand to cover it. This gives CSB Bank a Texas Ratio of 4.03% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for CSB Bank decreased dramatically from 8.44% as of December 31, 2012 to 4.03% as of December 31, 2013, resulting in a positive change of 52.30%.This indicates that the balance sheet and financial strength for CSB Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, CSB Bank has increased its total deposits by $11.13 million, resulting in 5.76% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth CSB Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. CSB Bank has $231.08 million in assets with $21.65 million in equity, resulting in a capitalization level of 9.37%, which is average.

Institution Statistics

FDIC Certificate #14538
Year Established1898
Primary RegulatorFED
Assets and Liabilities
Assets$231.08 million
Loans$105.74 million
Deposits$204.35 million
Equity Capital$19.45 million
Loan Loss Allowance$2.20 million
Unbacked Noncurrent Loans$411,000
Real Estate Owned$461,000
Historic Data - December 2012
Assets$220.37 million
Equity Capital$20.11 million
Loan Loss Allowance$2.97 million
Unbacked Noncurrent Loans$411,000
Real Estate Owned$620,000
Profit Margin - Quarterly
Net Interest Margin3.18%
Return on Assets0.61%
Return on Equity7.04%
Interest Income$7.38 million

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CSB Bank Locations
Imlay City Branch148 North Almont AvenueImlay City, MI 48444
Csb Bank206 North Main StreetCapac, MI 48014
Yale Branch3 North Main StreetYale, MI 48097
Emmett Branch3177 MainEmmett, MI 48022
Almont Branch5515 Van Dyke RoadAlmont, MI 48003
Armada Branch72890 North AvenueArmada, MI 48005
Allenton Branch745 Capac RoadAllenton, MI 48002
Memphis Branch81111 Main StreetMemphis, MI 48041