Civic Intelligence

Central State Bancorp Inc.

Plan context: Cs Bancorp 401(K) Retirement Savings Plan

EIN 38-2720385 • Traverse City, MI • 31 filings • 8 plans

PO Box 1636Traverse City, MI 49685
Current Snapshot

Latest Year

2025

2025 Participants

121

2025 Assets

$18,362,450

2025 Contributions

$890,160

Historical Graphs

Total Assets Over Time

Aggregate end-of-year assets by filing year, excluding zero-asset years

$18,362,450$9,181,225$0199920142025YearValue
$18,362,450Latest year 2025

Participants Over Time

Largest reported end-of-year plan headcount by filing year, used to avoid double-counting participants across overlapping plans

121610199920132025YearValue
121Latest year 2025

Company Timeline

Year summaries and individual filings are combined here so you can stay in one place while moving across years and plan filings.

Year / FilingFilingsParticipantsAssetsContributionsContrib./Participant
20252121$18,362,450$890,160$7,357iApproximate average salary by contribution assumption: employee only about $183,917 at 4% or $122,612 at 6%; with 50% employer match about $122,612 at 4% or $81,741 at 6%; with 100% employer match about $91,959 at 4% or $61,306 at 6%.
Cs Bancorp 401(K) Retirement Savings Plan-121$17,681,905$879,041$7,265iApproximate average salary by contribution assumption: employee only about $181,620 at 4% or $121,080 at 6%; with 50% employer match about $121,080 at 4% or $80,720 at 6%; with 100% employer match about $90,810 at 4% or $60,540 at 6%.
Central-State Bancorp Inc Employee Stock Ownership Plan-107$680,545$11,119$104iApproximate average salary by contribution assumption: employee only about $2,598 at 4% or $1,732 at 6%; with 50% employer match about $1,732 at 4% or $1,155 at 6%; with 100% employer match about $1,299 at 4% or $866 at 6%.
20242112$15,496,067$817,267$7,297iApproximate average salary by contribution assumption: employee only about $182,426 at 4% or $121,617 at 6%; with 50% employer match about $121,617 at 4% or $81,078 at 6%; with 100% employer match about $91,213 at 4% or $60,809 at 6%.
Cs Bancorp 401(K) Retirement Savings Plan-112$14,998,557$809,721$7,230iApproximate average salary by contribution assumption: employee only about $180,741 at 4% or $120,494 at 6%; with 50% employer match about $120,494 at 4% or $80,329 at 6%; with 100% employer match about $90,371 at 4% or $60,247 at 6%.
Central-State Bancorp Inc Employee Stock Ownership Plan-100$497,510$7,546$75iApproximate average salary by contribution assumption: employee only about $1,886 at 4% or $1,258 at 6%; with 50% employer match about $1,258 at 4% or $838 at 6%; with 100% employer match about $943 at 4% or $629 at 6%.
20232108$13,195,131$830,584$7,691iApproximate average salary by contribution assumption: employee only about $192,265 at 4% or $128,177 at 6%; with 50% employer match about $128,177 at 4% or $85,451 at 6%; with 100% employer match about $96,132 at 4% or $64,088 at 6%.
Cs Bancorp 401(K) Retirement Savings Plan-108$12,865,867$825,544$7,644iApproximate average salary by contribution assumption: employee only about $191,098 at 4% or $127,399 at 6%; with 50% employer match about $127,399 at 4% or $84,933 at 6%; with 100% employer match about $95,549 at 4% or $63,699 at 6%.
Central-State Bancorp Inc Employee Stock Ownership Plan-95$329,264$5,040$53iApproximate average salary by contribution assumption: employee only about $1,326 at 4% or $884 at 6%; with 50% employer match about $884 at 4% or $589 at 6%; with 100% employer match about $663 at 4% or $442 at 6%.
20222104$10,806,919$1,932,132$18,578iApproximate average salary by contribution assumption: employee only about $464,455 at 4% or $309,637 at 6%; with 50% employer match about $309,637 at 4% or $206,424 at 6%; with 100% employer match about $232,227 at 4% or $154,818 at 6%.
Cs Bancorp 401(K) Retirement Savings Plan-104$10,654,554$1,779,767$17,113iApproximate average salary by contribution assumption: employee only about $427,829 at 4% or $285,219 at 6%; with 50% employer match about $285,219 at 4% or $190,146 at 6%; with 100% employer match about $213,914 at 4% or $142,610 at 6%.
Central-State Bancorp Inc Employee Stock Ownership Plan-92$152,365$152,365$1,656iApproximate average salary by contribution assumption: employee only about $41,404 at 4% or $27,602 at 6%; with 50% employer match about $27,602 at 4% or $18,402 at 6%; with 100% employer match about $20,702 at 4% or $13,801 at 6%.
20212102$11,514,538$1,455,923$14,274iApproximate average salary by contribution assumption: employee only about $356,844 at 4% or $237,896 at 6%; with 50% employer match about $237,896 at 4% or $158,597 at 6%; with 100% employer match about $178,422 at 4% or $118,948 at 6%.
Cs Bancorp 401(K) Retirement Savings Plan-102$11,514,538$1,455,923$14,274iApproximate average salary by contribution assumption: employee only about $356,844 at 4% or $237,896 at 6%; with 50% employer match about $237,896 at 4% or $158,597 at 6%; with 100% employer match about $178,422 at 4% or $118,948 at 6%.
Central-State Bancorp Inc Employee Stock Ownership Plan-0---
2020198$10,780,967$1,230,053$12,552iApproximate average salary by contribution assumption: employee only about $313,789 at 4% or $209,193 at 6%; with 50% employer match about $209,193 at 4% or $139,462 at 6%; with 100% employer match about $156,895 at 4% or $104,596 at 6%.
Cs Bancorp 401(K) Retirement Savings Plan-98$10,780,967$1,230,053$12,552iApproximate average salary by contribution assumption: employee only about $313,789 at 4% or $209,193 at 6%; with 50% employer match about $209,193 at 4% or $139,462 at 6%; with 100% employer match about $156,895 at 4% or $104,596 at 6%.
2019193$8,686,715$656,630$7,061iApproximate average salary by contribution assumption: employee only about $176,513 at 4% or $117,676 at 6%; with 50% employer match about $117,676 at 4% or $78,450 at 6%; with 100% employer match about $88,257 at 4% or $58,838 at 6%.
Cs Bancorp 401(K) Retirement Savings Plan-93$8,686,715$656,630$7,061iApproximate average salary by contribution assumption: employee only about $176,513 at 4% or $117,676 at 6%; with 50% employer match about $117,676 at 4% or $78,450 at 6%; with 100% employer match about $88,257 at 4% or $58,838 at 6%.
2018180$7,445,090$790,073$9,876iApproximate average salary by contribution assumption: employee only about $246,898 at 4% or $164,599 at 6%; with 50% employer match about $164,599 at 4% or $109,732 at 6%; with 100% employer match about $123,449 at 4% or $82,299 at 6%.
Cs Bancorp 401(K) Retirement Savings Plan-80$7,445,090$790,073$9,876iApproximate average salary by contribution assumption: employee only about $246,898 at 4% or $164,599 at 6%; with 50% employer match about $164,599 at 4% or $109,732 at 6%; with 100% employer match about $123,449 at 4% or $82,299 at 6%.
2017180$7,762,458$644,071$8,051iApproximate average salary by contribution assumption: employee only about $201,272 at 4% or $134,181 at 6%; with 50% employer match about $134,181 at 4% or $89,454 at 6%; with 100% employer match about $100,636 at 4% or $67,091 at 6%.
Cs Bancorp 401(K) Retirement Savings Plan-80$7,762,458$644,071$8,051iApproximate average salary by contribution assumption: employee only about $201,272 at 4% or $134,181 at 6%; with 50% employer match about $134,181 at 4% or $89,454 at 6%; with 100% employer match about $100,636 at 4% or $67,091 at 6%.
2016178$7,282,308$715,175$9,169iApproximate average salary by contribution assumption: employee only about $229,223 at 4% or $152,815 at 6%; with 50% employer match about $152,815 at 4% or $101,877 at 6%; with 100% employer match about $114,611 at 4% or $76,408 at 6%.
Cs Bancorp 401(K) Retirement Savings Plan-78$7,282,308$715,175$9,169iApproximate average salary by contribution assumption: employee only about $229,223 at 4% or $152,815 at 6%; with 50% employer match about $152,815 at 4% or $101,877 at 6%; with 100% employer match about $114,611 at 4% or $76,408 at 6%.
2015179$7,488,044$3,832,380$48,511iApproximate average salary by contribution assumption: employee only about $1,212,778 at 4% or $808,519 at 6%; with 50% employer match about $808,519 at 4% or $539,013 at 6%; with 100% employer match about $606,389 at 4% or $404,259 at 6%.
Cs Bancorp 401(K) Retirement Savings Plan-79$7,488,044$3,832,380$48,511iApproximate average salary by contribution assumption: employee only about $1,212,778 at 4% or $808,519 at 6%; with 50% employer match about $808,519 at 4% or $539,013 at 6%; with 100% employer match about $606,389 at 4% or $404,259 at 6%.
2014143$3,843,486$828,706$19,272iApproximate average salary by contribution assumption: employee only about $481,806 at 4% or $321,204 at 6%; with 50% employer match about $321,204 at 4% or $214,136 at 6%; with 100% employer match about $240,903 at 4% or $160,602 at 6%.
Cs Bancorp 401(K) Retirement Savings Plan-43$3,843,486$828,706$19,272iApproximate average salary by contribution assumption: employee only about $481,806 at 4% or $321,204 at 6%; with 50% employer match about $321,204 at 4% or $214,136 at 6%; with 100% employer match about $240,903 at 4% or $160,602 at 6%.
2013140$2,956,429$193,582$4,840iApproximate average salary by contribution assumption: employee only about $120,989 at 4% or $80,659 at 6%; with 50% employer match about $80,659 at 4% or $53,773 at 6%; with 100% employer match about $60,494 at 4% or $40,330 at 6%.
Cs Bancorp 401(K) Retirement Savings Plan-40$2,956,429$193,582$4,840iApproximate average salary by contribution assumption: employee only about $120,989 at 4% or $80,659 at 6%; with 50% employer match about $80,659 at 4% or $53,773 at 6%; with 100% employer match about $60,494 at 4% or $40,330 at 6%.
2012142$2,915,763$203,266$4,840iApproximate average salary by contribution assumption: employee only about $120,992 at 4% or $80,661 at 6%; with 50% employer match about $80,661 at 4% or $53,774 at 6%; with 100% employer match about $60,496 at 4% or $40,331 at 6%.
Cs Bancorp 401(K) Retirement Savings Plan-42$2,915,763$203,266$4,840iApproximate average salary by contribution assumption: employee only about $120,992 at 4% or $80,661 at 6%; with 50% employer match about $80,661 at 4% or $53,774 at 6%; with 100% employer match about $60,496 at 4% or $40,331 at 6%.
2011142$2,505,887$222,321$5,293iApproximate average salary by contribution assumption: employee only about $132,334 at 4% or $88,223 at 6%; with 50% employer match about $88,223 at 4% or $58,815 at 6%; with 100% employer match about $66,167 at 4% or $44,111 at 6%.
Cs Bancorp 401(K) Retirement Savings Plan-42$2,505,887$222,321$5,293iApproximate average salary by contribution assumption: employee only about $132,334 at 4% or $88,223 at 6%; with 50% employer match about $88,223 at 4% or $58,815 at 6%; with 100% employer match about $66,167 at 4% or $44,111 at 6%.
2010147$2,429,204$210,610$4,481iApproximate average salary by contribution assumption: employee only about $112,027 at 4% or $74,684 at 6%; with 50% employer match about $74,684 at 4% or $49,790 at 6%; with 100% employer match about $56,013 at 4% or $37,342 at 6%.
Cs Bancorp 401(K) Retirement Savings Plan-47$2,429,204$210,610$4,481iApproximate average salary by contribution assumption: employee only about $112,027 at 4% or $74,684 at 6%; with 50% employer match about $74,684 at 4% or $49,790 at 6%; with 100% employer match about $56,013 at 4% or $37,342 at 6%.
2009146$2,030,462$188,510$4,098iApproximate average salary by contribution assumption: employee only about $102,451 at 4% or $68,301 at 6%; with 50% employer match about $68,301 at 4% or $45,534 at 6%; with 100% employer match about $51,226 at 4% or $34,150 at 6%.
Cs Bancorp 401(K) Retirement Savings Plan-46$2,030,462$188,510$4,098iApproximate average salary by contribution assumption: employee only about $102,451 at 4% or $68,301 at 6%; with 50% employer match about $68,301 at 4% or $45,534 at 6%; with 100% employer match about $51,226 at 4% or $34,150 at 6%.
2008148$1,636,358$200,459$4,176iApproximate average salary by contribution assumption: employee only about $104,406 at 4% or $69,604 at 6%; with 50% employer match about $69,604 at 4% or $46,403 at 6%; with 100% employer match about $52,203 at 4% or $34,802 at 6%.
Cs Bancorp 401(K) Retirement Savings Plan-48$1,636,358$200,459$4,176iApproximate average salary by contribution assumption: employee only about $104,406 at 4% or $69,604 at 6%; with 50% employer match about $69,604 at 4% or $46,403 at 6%; with 100% employer match about $52,203 at 4% or $34,802 at 6%.
2007145$2,023,558$208,481$4,633iApproximate average salary by contribution assumption: employee only about $115,823 at 4% or $77,215 at 6%; with 50% employer match about $77,215 at 4% or $51,477 at 6%; with 100% employer match about $57,911 at 4% or $38,608 at 6%.
Cs Bancorp 401(K) Retirement Savings Plan-45$2,023,558$208,481$4,633iApproximate average salary by contribution assumption: employee only about $115,823 at 4% or $77,215 at 6%; with 50% employer match about $77,215 at 4% or $51,477 at 6%; with 100% employer match about $57,911 at 4% or $38,608 at 6%.
2006149$1,774,770$199,141$4,064iApproximate average salary by contribution assumption: employee only about $101,603 at 4% or $67,735 at 6%; with 50% employer match about $67,735 at 4% or $45,157 at 6%; with 100% employer match about $50,801 at 4% or $33,868 at 6%.
Cs Bancorp 401(K) Retirement Savings Plan-49$1,774,770$199,141$4,064iApproximate average salary by contribution assumption: employee only about $101,603 at 4% or $67,735 at 6%; with 50% employer match about $67,735 at 4% or $45,157 at 6%; with 100% employer match about $50,801 at 4% or $33,868 at 6%.
2005151$1,542,048$188,488$3,696iApproximate average salary by contribution assumption: employee only about $92,396 at 4% or $61,597 at 6%; with 50% employer match about $61,597 at 4% or $41,065 at 6%; with 100% employer match about $46,198 at 4% or $30,799 at 6%.
Cs Bancorp 401(K) Retirement Savings Plan-51$1,542,048$188,488$3,696iApproximate average salary by contribution assumption: employee only about $92,396 at 4% or $61,597 at 6%; with 50% employer match about $61,597 at 4% or $41,065 at 6%; with 100% employer match about $46,198 at 4% or $30,799 at 6%.
2004152$1,335,616$166,477$3,201iApproximate average salary by contribution assumption: employee only about $80,037 at 4% or $53,358 at 6%; with 50% employer match about $53,358 at 4% or $35,572 at 6%; with 100% employer match about $40,019 at 4% or $26,679 at 6%.
Cs Bancorp 401(K) Retirement Savings Plan-52$1,335,616$166,477$3,201iApproximate average salary by contribution assumption: employee only about $80,037 at 4% or $53,358 at 6%; with 50% employer match about $53,358 at 4% or $35,572 at 6%; with 100% employer match about $40,019 at 4% or $26,679 at 6%.
2003149$1,048,021$146,365$2,987iApproximate average salary by contribution assumption: employee only about $74,676 at 4% or $49,784 at 6%; with 50% employer match about $49,784 at 4% or $33,189 at 6%; with 100% employer match about $37,338 at 4% or $24,892 at 6%.
Cs Bancorp 401(K) Retirement Savings Plan-49$1,048,021$146,365$2,987iApproximate average salary by contribution assumption: employee only about $74,676 at 4% or $49,784 at 6%; with 50% employer match about $49,784 at 4% or $33,189 at 6%; with 100% employer match about $37,338 at 4% or $24,892 at 6%.
2002147$0$0-
Cs Bancorp 401(K) Retirement Savings Plan-47---
2001149$0$0-
Cs Bancorp 401(K) Retirement Savings Plan-49---
1999141$843,498$74,777$1,824iApproximate average salary by contribution assumption: employee only about $45,596 at 4% or $30,397 at 6%; with 50% employer match about $30,397 at 4% or $20,265 at 6%; with 100% employer match about $22,798 at 4% or $15,199 at 6%.
Cs Bancorp 401(K) Retirement Savings Plan-41$843,498$74,777$1,824iApproximate average salary by contribution assumption: employee only about $45,596 at 4% or $30,397 at 6%; with 50% employer match about $30,397 at 4% or $20,265 at 6%; with 100% employer match about $22,798 at 4% or $15,199 at 6%.