Side-by-side · Q2 2026 data
First Independence Bank vs First National Bank of Michigan
Metric by metric
| Measure | First Independence Bank | First National Bank of Michigan |
|---|---|---|
| TellerScore | 74 (stronger) | 60 |
| Capital cushion | 58 (stronger) | 45 |
| Loan quality | 76 (stronger) | 73 |
| Earnings | 100 (stronger) | 59 |
| Funding & liquidity | 57 (stronger) | 50 |
| Problem-loan coverage | 91 (stronger) | 87 |
| Peer percentile | 57th | 19th |
| Total assets | $875.3M | $988.9M |
| Deposits / shares | $703.4M | $807.2M |
| Capital ratio | 10.82% (stronger) | 9.54% |
| Problem loans | 0.71% (stronger) | 0.80% |
| Net charge-offs | 2.11% | -0.00% (stronger) |
| Return on assets | 2.08% (stronger) | 0.98% |
| Loans ÷ deposits | 74.6% (stronger) | 100.9% |
| Uninsured deposits | 40.7% | 23.2% (stronger) |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Independence Bank has the higher TellerScore (74 vs 60). On the 7 directional measures above (where higher or lower is clearly better), First Independence Bank leads on 5 and First National Bank of Michigan on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.