Side-by-side · Q2 2026 data
First Bank, Upper Michigan vs Thumb Bank and Trust
Metric by metric
| Measure | First Bank, Upper Michigan | Thumb Bank and Trust |
|---|---|---|
| TellerScore | 81 (stronger) | 77 |
| Capital cushion | 77 (stronger) | 44 |
| Loan quality | 79 | 99 (stronger) |
| Earnings | 100 (stronger) | 86 |
| Funding & liquidity | 59 | 78 (stronger) |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 80th | 68th |
| Total assets | $629.5M | $673.3M |
| Deposits / shares | $528.3M | $595.8M |
| Capital ratio | 12.68% (stronger) | 9.44% |
| Problem loans | 0.63% | 0.03% (stronger) |
| Net charge-offs | 0.08% | 0.00% (stronger) |
| Return on assets | 2.03% (stronger) | 1.65% |
| Loans ÷ deposits | 84.4% | 69.5% (stronger) |
| Uninsured deposits | 30.0% | 26.4% (stronger) |
| Offices | 8 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 18.3% |
First Bank, Upper Michigan has the higher TellerScore (81 vs 77). On the 7 directional measures above (where higher or lower is clearly better), First Bank, Upper Michigan leads on 3 and Thumb Bank and Trust on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.