Side-by-side · Q2 2026 data
First Bank, Upper Michigan vs West Shore Bank
Metric by metric
| Measure | First Bank, Upper Michigan | West Shore Bank |
|---|---|---|
| TellerScore | 81 (stronger) | 56 |
| Capital cushion | 77 (stronger) | 48 |
| Loan quality | 79 (stronger) | 59 |
| Earnings | 100 (stronger) | 53 |
| Funding & liquidity | 59 (stronger) | 56 |
| Problem-loan coverage | 93 (stronger) | 81 |
| Peer percentile | 80th | 13th |
| Total assets | $629.5M | $833.6M |
| Deposits / shares | $528.3M | $720.2M |
| Capital ratio | 12.68% (stronger) | 9.85% |
| Problem loans | 0.63% (stronger) | 1.24% |
| Net charge-offs | 0.08% | 0.00% (stronger) |
| Return on assets | 2.03% (stronger) | 0.83% |
| Loans ÷ deposits | 84.4% (stronger) | 90.7% |
| Uninsured deposits | 30.0% | 27.3% (stronger) |
| Offices | 8 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Bank, Upper Michigan has the higher TellerScore (81 vs 56). On the 7 directional measures above (where higher or lower is clearly better), First Bank, Upper Michigan leads on 5 and West Shore Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.