Side-by-side · Q2 2026 data
First Bank, Upper Michigan vs Nicolet National Bank
Metric by metric
| Measure | First Bank, Upper Michigan | Nicolet National Bank |
|---|---|---|
| TellerScore | 81 (stronger) | 64 |
| Capital cushion | 77 (stronger) | 46 |
| Loan quality | 79 | 79 |
| Earnings | 100 (stronger) | 67 |
| Funding & liquidity | 59 (stronger) | 54 |
| Problem-loan coverage | 93 | 94 (stronger) |
| Peer percentile | 80th | 46th |
| Total assets | $629.5M | $15.4B |
| Deposits / shares | $528.3M | $13.0B |
| Capital ratio | 12.68% (stronger) | 9.64% |
| Problem loans | 0.63% (stronger) | 0.63% |
| Net charge-offs | 0.08% | 0.03% (stronger) |
| Return on assets | 2.03% (stronger) | 1.17% |
| Loans ÷ deposits | 84.4% (stronger) | 86.0% |
| Uninsured deposits | 30.0% (stronger) | 33.2% |
| Offices | 8 | 110 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.5% |
First Bank, Upper Michigan has the higher TellerScore (81 vs 64). On the 7 directional measures above (where higher or lower is clearly better), First Bank, Upper Michigan leads on 6 and Nicolet National Bank on 1. 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.
Where both have branches
- Escanaba, MI
- Ishpeming, MI
- Marquette, MI