Side-by-side · Q2 2026 data
Baybank vs Peoples State Bank of Munising
Metric by metric
| Measure | Baybank | Peoples State Bank of Munising |
|---|---|---|
| TellerScore | 56 (stronger) | 48 |
| Capital cushion | 57 | 77 (stronger) |
| Loan quality | 33 (stronger) | 0 |
| Earnings | 69 (stronger) | 37 |
| Funding & liquidity | 63 | 71 (stronger) |
| Problem-loan coverage | 71 (stronger) | 70 |
| Peer percentile | 13th | 6th |
| Total assets | $173.4M | $190.4M |
| Deposits / shares | $145.8M | $142.0M |
| Capital ratio | 10.71% | 12.75% (stronger) |
| Problem loans | 2.02% (stronger) | 3.39% |
| Net charge-offs | 0.06% | 0.03% (stronger) |
| Return on assets | 1.23% (stronger) | 0.43% |
| Loans ÷ deposits | 92.4% | 76.4% (stronger) |
| Uninsured deposits | 19.6% (stronger) | 26.0% |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Baybank has the higher TellerScore (56 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Baybank leads on 4 and Peoples State Bank of Munising on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.