Side-by-side · Q2 2026 data
Baybank vs The State Savings Bank of Manistique
Metric by metric
| Measure | Baybank | The State Savings Bank of Manistique |
|---|---|---|
| TellerScore | 56 | 66 (stronger) |
| Capital cushion | 57 (stronger) | 46 |
| Loan quality | 33 | 77 (stronger) |
| Earnings | 69 (stronger) | 51 |
| Funding & liquidity | 63 | 93 (stronger) |
| Problem-loan coverage | 71 | 91 (stronger) |
| Peer percentile | 13th | 31st |
| Total assets | $173.4M | $178.2M |
| Deposits / shares | $145.8M | $154.1M |
| Capital ratio | 10.71% (stronger) | 9.64% |
| Problem loans | 2.02% | 0.70% (stronger) |
| Net charge-offs | 0.06% | 0.01% (stronger) |
| Return on assets | 1.23% (stronger) | 0.77% |
| Loans ÷ deposits | 92.4% | 59.8% (stronger) |
| Uninsured deposits | 19.6% (stronger) | 21.7% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The State Savings Bank of Manistique has the higher TellerScore (66 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Baybank leads on 3 and The State Savings Bank of Manistique on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.