Side-by-side · Q2 2026 data
Bank Michigan vs Baybank
Metric by metric
| Measure | Bank Michigan | Baybank |
|---|---|---|
| TellerScore | 62 (stronger) | 56 |
| Capital cushion | 63 (stronger) | 57 |
| Loan quality | 66 (stronger) | 33 |
| Earnings | 47 | 69 (stronger) |
| Funding & liquidity | 58 | 63 (stronger) |
| Problem-loan coverage | 81 (stronger) | 71 |
| Peer percentile | 22nd | 13th |
| Total assets | $176.0M | $173.4M |
| Deposits / shares | $144.9M | $145.8M |
| Capital ratio | 11.25% (stronger) | 10.71% |
| Problem loans | 1.03% (stronger) | 2.02% |
| Net charge-offs | -0.38% (stronger) | 0.06% |
| Return on assets | 0.67% | 1.23% (stronger) |
| Loans ÷ deposits | 97.8% | 92.4% (stronger) |
| Uninsured deposits | 18.7% (stronger) | 19.6% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank Michigan has the higher TellerScore (62 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Bank Michigan leads on 5 and Baybank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.