Where is Charlevoix State Bank located?

Charlevoix State Bank is located at 111 State Street, Charlevoix, MI 49720.

How can I contact Charlevoix State Bank?

You can contact Charlevoix State Bank by phone at (231) 547-4411.

Charlevoix State Bank

About

Community-owned and operated bank established in 1994 serving Charlevoix, Michigan. The only locally owned bank in Charlevoix providing personal and business banking, lending, and financial services with hometown commitment.

1994

Founded

Reviews & Ratings

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SBA 7(a) Lending Analytics

SBA 7(a) Acquisition Loan Data As Of June 30, 2025

SBA Acquisition Loan Activity

Last 12 Months

0

Last 3 Years

1

YoY Growth

+0.0%

no activity

Loan Size Distribution

As Of June 30, 2025

Median

$300K

Average

$300K

Interest Rate Analysis

All rates shown as spread over Prime Rate

Rate Distribution

Median Rate:Prime + -0.50%

Typical Range:Prime + -0.50% - -0.50%

Min / Max:Prime + -0.50% / -0.50%

Market Comparison

This Lender

Prime + -0.50%

Market Average

Prime + 1.25%

175 bps better market

Default Rate & Risk Profile

As Of June 30, 2025 - 10-year default rate indicates underwriting quality

10-Year Default Rate

0.0%

Bottom 10% of Lenders (Highest Default Rate)

Performance Ranking

100th

Lower is better among all lenders

Geographic Loan Distribution

As Of June 30, 2025 - States by loan volume (darker blue = higher volume)

Low

Medium

High

Very High