Side-by-side · Q2 2026 data
Bank Michigan vs Chelsea State Bank
Metric by metric
| Measure | Bank Michigan | Chelsea State Bank |
|---|---|---|
| TellerScore | 62 | 75 (stronger) |
| Capital cushion | 63 | 78 (stronger) |
| Loan quality | 66 (stronger) | 56 |
| Earnings | 47 | 83 (stronger) |
| Funding & liquidity | 58 | 80 (stronger) |
| Problem-loan coverage | 81 | 85 (stronger) |
| Peer percentile | 22nd | 61st |
| Total assets | $176.0M | $416.5M |
| Deposits / shares | $144.9M | $366.0M |
| Capital ratio | 11.25% | 12.76% (stronger) |
| Problem loans | 1.03% (stronger) | 1.33% |
| Net charge-offs | -0.38% (stronger) | -0.01% |
| Return on assets | 0.67% | 1.57% (stronger) |
| Loans ÷ deposits | 97.8% | 69.0% (stronger) |
| Uninsured deposits | 18.7% (stronger) | 25.5% |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Chelsea State 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 3 and Chelsea State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.