Side-by-side · Q2 2026 data
Kalamazoo County State Bank vs Bay Port State Bank
Metric by metric
| Measure | Kalamazoo County State Bank | Bay Port State Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 71 |
| Capital cushion | 71 (stronger) | 59 |
| Loan quality | 89 (stronger) | 78 |
| Earnings | 42 | 73 (stronger) |
| Funding & liquidity | 99 (stronger) | 64 |
| Problem-loan coverage | 97 (stronger) | 91 |
| Peer percentile | 68th | 47th |
| Total assets | $118.4M | $153.4M |
| Deposits / shares | $105.3M | $136.1M |
| Capital ratio | 12.08% (stronger) | 10.89% |
| Problem loans | 0.33% (stronger) | 0.65% |
| Net charge-offs | 0.08% (stronger) | 0.18% |
| Return on assets | 0.54% | 1.34% (stronger) |
| Loans ÷ deposits | 57.7% (stronger) | 95.8% |
| Uninsured deposits | 16.1% | 10.6% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Kalamazoo County State Bank has the higher TellerScore (77 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Kalamazoo County State Bank leads on 5 and Bay Port State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.