Side-by-side · Q2 2026 data
First Bank of Utica vs Battle Creek State Bank
Metric by metric
| Measure | First Bank of Utica | Battle Creek State Bank |
|---|---|---|
| TellerScore | 76 | 81 (stronger) |
| Capital cushion | 93 | 94 (stronger) |
| Loan quality | 79 | 100 (stronger) |
| Earnings | 45 | 61 (stronger) |
| Funding & liquidity | 67 (stronger) | 38 |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 56th | 68th |
| Total assets | $77.4M | $71.0M |
| Deposits / shares | $62.4M | $61.0M |
| Capital ratio | 14.27% | 14.45% (stronger) |
| Problem loans | 0.63% | 0.00% (stronger) |
| Net charge-offs | 0.08% | 0.00% (stronger) |
| Return on assets | 0.63% | 1.03% (stronger) |
| Loans ÷ deposits | 93.4% | 90.8% (stronger) |
| Uninsured deposits | 12.7% (stronger) | 42.9% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Battle Creek State Bank has the higher TellerScore (81 vs 76). On the 7 directional measures above (where higher or lower is clearly better), First Bank of Utica leads on 1 and Battle Creek State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.