Side-by-side · Q2 2026 data
Chelsea State Bank vs Bank of Ann Arbor
Metric by metric
| Measure | Chelsea State Bank | Bank of Ann Arbor |
|---|---|---|
| TellerScore | 75 | 82 (stronger) |
| Capital cushion | 78 | 82 (stronger) |
| Loan quality | 56 | 91 (stronger) |
| Earnings | 83 | 99 (stronger) |
| Funding & liquidity | 80 (stronger) | 36 |
| Problem-loan coverage | 85 | 96 (stronger) |
| Peer percentile | 61st | 93rd |
| Total assets | $416.5M | $3.5B |
| Deposits / shares | $366.0M | $2.8B |
| Capital ratio | 12.76% | 13.17% (stronger) |
| Problem loans | 1.33% | 0.27% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.07% |
| Return on assets | 1.57% | 1.98% (stronger) |
| Loans ÷ deposits | 69.0% (stronger) | 92.6% |
| Uninsured deposits | 25.5% (stronger) | 44.0% |
| Offices | 4 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.8% |
Bank of Ann Arbor has the higher TellerScore (82 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Chelsea State Bank leads on 3 and Bank of Ann Arbor on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.