Side-by-side · Q2 2026 data
Bank Michigan vs Bay Port State Bank
Metric by metric
| Measure | Bank Michigan | Bay Port State Bank |
|---|---|---|
| TellerScore | 62 | 71 (stronger) |
| Capital cushion | 63 (stronger) | 59 |
| Loan quality | 66 | 78 (stronger) |
| Earnings | 47 | 73 (stronger) |
| Funding & liquidity | 58 | 64 (stronger) |
| Problem-loan coverage | 81 | 91 (stronger) |
| Peer percentile | 22nd | 47th |
| Total assets | $176.0M | $153.4M |
| Deposits / shares | $144.9M | $136.1M |
| Capital ratio | 11.25% (stronger) | 10.89% |
| Problem loans | 1.03% | 0.65% (stronger) |
| Net charge-offs | -0.38% (stronger) | 0.18% |
| Return on assets | 0.67% | 1.34% (stronger) |
| Loans ÷ deposits | 97.8% | 95.8% (stronger) |
| Uninsured deposits | 18.7% | 10.6% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bay Port State Bank has the higher TellerScore (71 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Bank Michigan leads on 2 and Bay Port State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.