Side-by-side · Q2 2026 data
Bank Michigan vs Capitol National Bank
Metric by metric
| Measure | Bank Michigan | Capitol National Bank |
|---|---|---|
| TellerScore | 62 | 75 (stronger) |
| Capital cushion | 63 | 100 (stronger) |
| Loan quality | 66 (stronger) | 50 |
| Earnings | 47 | 92 (stronger) |
| Funding & liquidity | 58 (stronger) | 38 |
| Problem-loan coverage | 81 | 86 (stronger) |
| Peer percentile | 22nd | 61st |
| Total assets | $176.0M | $209.3M |
| Deposits / shares | $144.9M | $162.1M |
| Capital ratio | 11.25% | 16.74% (stronger) |
| Problem loans | 1.03% (stronger) | 1.49% |
| Net charge-offs | -0.38% (stronger) | 0.00% |
| Return on assets | 0.67% | 1.79% (stronger) |
| Loans ÷ deposits | 97.8% (stronger) | 102.7% |
| Uninsured deposits | 18.7% (stronger) | 32.8% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Capitol National Bank has the higher TellerScore (75 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Bank Michigan leads on 4 and Capitol National Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.