Side-by-side · Q2 2026 data
Eastern Michigan Bank vs First Bank, Upper Michigan
Metric by metric
| Measure | Eastern Michigan Bank | First Bank, Upper Michigan |
|---|---|---|
| TellerScore | 79 | 81 (stronger) |
| Capital cushion | 70 | 77 (stronger) |
| Loan quality | 79 | 79 |
| Earnings | 77 | 100 (stronger) |
| Funding & liquidity | 84 (stronger) | 59 |
| Problem-loan coverage | 98 (stronger) | 93 |
| Peer percentile | 75th | 80th |
| Total assets | $553.6M | $629.5M |
| Deposits / shares | $453.7M | $528.3M |
| Capital ratio | 11.99% | 12.68% (stronger) |
| Problem loans | 0.63% | 0.63% (stronger) |
| Net charge-offs | -0.07% (stronger) | 0.08% |
| Return on assets | 1.42% | 2.03% (stronger) |
| Loans ÷ deposits | 42.3% (stronger) | 84.4% |
| Uninsured deposits | 29.8% (stronger) | 30.0% |
| Offices | 10 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.0% | — |
First Bank, Upper Michigan has the higher TellerScore (81 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Eastern Michigan Bank leads on 3 and First Bank, Upper Michigan on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.