Side-by-side · Q2 2026 data
Isabella Bank vs Bank of Ann Arbor
Metric by metric
| Measure | Isabella Bank | Bank of Ann Arbor |
|---|---|---|
| TellerScore | 62 | 82 (stronger) |
| Capital cushion | 39 | 82 (stronger) |
| Loan quality | 84 | 91 (stronger) |
| Earnings | 64 | 99 (stronger) |
| Funding & liquidity | 51 (stronger) | 36 |
| Problem-loan coverage | 92 | 96 (stronger) |
| Peer percentile | 27th | 93rd |
| Total assets | $2.2B | $3.5B |
| Deposits / shares | $1.8B | $2.8B |
| Capital ratio | 8.93% | 13.17% (stronger) |
| Problem loans | 0.49% | 0.27% (stronger) |
| Net charge-offs | 0.08% | 0.07% (stronger) |
| Return on assets | 1.10% | 1.98% (stronger) |
| Loans ÷ deposits | 85.4% (stronger) | 92.6% |
| Uninsured deposits | 36.5% (stronger) | 44.0% |
| Offices | 27 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.4% | 5.8% |
Bank of Ann Arbor has the higher TellerScore (82 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Isabella Bank leads on 2 and Bank of Ann Arbor on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.