Side-by-side · Q2 2026 data
Baybank vs First Bank, Upper Michigan
Metric by metric
| Measure | Baybank | First Bank, Upper Michigan |
|---|---|---|
| TellerScore | 56 | 81 (stronger) |
| Capital cushion | 57 | 77 (stronger) |
| Loan quality | 33 | 79 (stronger) |
| Earnings | 69 | 100 (stronger) |
| Funding & liquidity | 63 (stronger) | 59 |
| Problem-loan coverage | 71 | 93 (stronger) |
| Peer percentile | 13th | 80th |
| Total assets | $173.4M | $629.5M |
| Deposits / shares | $145.8M | $528.3M |
| Capital ratio | 10.71% | 12.68% (stronger) |
| Problem loans | 2.02% | 0.63% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.08% |
| Return on assets | 1.23% | 2.03% (stronger) |
| Loans ÷ deposits | 92.4% | 84.4% (stronger) |
| Uninsured deposits | 19.6% (stronger) | 30.0% |
| Offices | 3 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Bank, Upper Michigan has the higher TellerScore (81 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Baybank leads on 2 and First Bank, Upper Michigan on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Escanaba, MI
- Gladstone, MI