Side-by-side · Q2 2026 data
Kalamazoo County State Bank vs First National Bank of Michigan
Metric by metric
| Measure | Kalamazoo County State Bank | First National Bank of Michigan |
|---|---|---|
| TellerScore | 77 (stronger) | 60 |
| Capital cushion | 71 (stronger) | 45 |
| Loan quality | 89 (stronger) | 73 |
| Earnings | 42 | 59 (stronger) |
| Funding & liquidity | 99 (stronger) | 50 |
| Problem-loan coverage | 97 (stronger) | 87 |
| Peer percentile | 68th | 19th |
| Total assets | $118.4M | $988.9M |
| Deposits / shares | $105.3M | $807.2M |
| Capital ratio | 12.08% (stronger) | 9.54% |
| Problem loans | 0.33% (stronger) | 0.80% |
| Net charge-offs | 0.08% | -0.00% (stronger) |
| Return on assets | 0.54% | 0.98% (stronger) |
| Loans ÷ deposits | 57.7% (stronger) | 100.9% |
| Uninsured deposits | 16.1% (stronger) | 23.2% |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Kalamazoo County State Bank has the higher TellerScore (77 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Kalamazoo County State Bank leads on 5 and First National Bank of Michigan on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.