Side-by-side · Q2 2026 data
First Bank, Upper Michigan vs First Independence Bank
Metric by metric
| Measure | First Bank, Upper Michigan | First Independence Bank |
|---|---|---|
| TellerScore | 81 (stronger) | 74 |
| Capital cushion | 77 (stronger) | 58 |
| Loan quality | 79 (stronger) | 76 |
| Earnings | 100 | 100 |
| Funding & liquidity | 59 (stronger) | 57 |
| Problem-loan coverage | 93 (stronger) | 91 |
| Peer percentile | 80th | 57th |
| Total assets | $629.5M | $875.3M |
| Deposits / shares | $528.3M | $703.4M |
| Capital ratio | 12.68% (stronger) | 10.82% |
| Problem loans | 0.63% (stronger) | 0.71% |
| Net charge-offs | 0.08% (stronger) | 2.11% |
| Return on assets | 2.03% | 2.08% (stronger) |
| Loans ÷ deposits | 84.4% | 74.6% (stronger) |
| Uninsured deposits | 30.0% (stronger) | 40.7% |
| Offices | 8 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Bank, Upper Michigan has the higher TellerScore (81 vs 74). On the 7 directional measures above (where higher or lower is clearly better), First Bank, Upper Michigan leads on 5 and First Independence Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.