Side-by-side · Q2 2026 data
Highpoint Community Bank vs First Bank, Upper Michigan
Metric by metric
| Measure | Highpoint Community Bank | First Bank, Upper Michigan |
|---|---|---|
| TellerScore | 66 | 81 (stronger) |
| Capital cushion | 35 | 77 (stronger) |
| Loan quality | 99 (stronger) | 79 |
| Earnings | 52 | 100 (stronger) |
| Funding & liquidity | 69 (stronger) | 59 |
| Problem-loan coverage | 99 (stronger) | 93 |
| Peer percentile | 31st | 80th |
| Total assets | $592.4M | $629.5M |
| Deposits / shares | $540.0M | $528.3M |
| Capital ratio | 8.45% | 12.68% (stronger) |
| Problem loans | 0.04% (stronger) | 0.63% |
| Net charge-offs | -0.00% (stronger) | 0.08% |
| Return on assets | 0.80% | 2.03% (stronger) |
| Loans ÷ deposits | 68.1% (stronger) | 84.4% |
| Uninsured deposits | 36.3% | 30.0% (stronger) |
| Offices | 6 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.0% | — |
First Bank, Upper Michigan has the higher TellerScore (81 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Highpoint Community Bank leads on 3 and First Bank, Upper Michigan on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.