Side-by-side · Q2 2026 data
Citizens State Bank vs First Bank, Upper Michigan
Metric by metric
| Measure | Citizens State Bank | First Bank, Upper Michigan |
|---|---|---|
| TellerScore | 70 | 81 (stronger) |
| Capital cushion | 36 | 77 (stronger) |
| Loan quality | 94 (stronger) | 79 |
| Earnings | 93 | 100 (stronger) |
| Funding & liquidity | 49 | 59 (stronger) |
| Problem-loan coverage | 97 (stronger) | 93 |
| Peer percentile | 43rd | 80th |
| Total assets | $581.0M | $629.5M |
| Deposits / shares | $530.5M | $528.3M |
| Capital ratio | 8.58% | 12.68% (stronger) |
| Problem loans | 0.18% (stronger) | 0.63% |
| Net charge-offs | 0.27% | 0.08% (stronger) |
| Return on assets | 1.83% | 2.03% (stronger) |
| Loans ÷ deposits | 84.9% | 84.4% (stronger) |
| Uninsured deposits | 38.5% | 30.0% (stronger) |
| 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 70). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 1 and First Bank, Upper Michigan on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.