The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 4 points (77 → 81), mostly because the earnings component improved by 11 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Michigan

Yes. First Bank, Upper Michigan is an FDIC-insured institution (FDIC certificate #14276). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 30.0% of deposits ($158.6M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.68%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.02% (benchmark: 10%).

Check how much of your own balance is covered

First Bank, Upper Michigan lists 8 offices in 7 cities. Most locations:

• Escanaba, MI (2)
• Bark River, MI (1)
• Gladstone, MI (1)
• Iron Mountain, MI (1)
• Ishpeming, MI (1)
• Kingsford, MI (1)
• Marquette, MI (1)

All branch addresses and map

Legal name

First Bank, Upper Michigan

Former names

First National Bank in Gladstone; First Bank, Upper Michigan, National Association

Type

State-chartered bank

FDIC certificate #

14276

RSSD ID

239556

Primary regulator

FDIC

Holding company

First Bancshares Corp

Established

August 14, 1916

Headquarters

1400 Delta Ave, Gladstone, MI 49837

Website

www.first-bank.com

Employees

122