Side-by-side · Q2 2026 data
Peoples State Bank of Munising vs Bay Port State Bank
Metric by metric
| Measure | Peoples State Bank of Munising | Bay Port State Bank |
|---|---|---|
| TellerScore | 48 | 71 (stronger) |
| Capital cushion | 77 (stronger) | 59 |
| Loan quality | 0 | 78 (stronger) |
| Earnings | 37 | 73 (stronger) |
| Funding & liquidity | 71 (stronger) | 64 |
| Problem-loan coverage | 70 | 91 (stronger) |
| Peer percentile | 6th | 47th |
| Total assets | $190.4M | $153.4M |
| Deposits / shares | $142.0M | $136.1M |
| Capital ratio | 12.75% (stronger) | 10.89% |
| Problem loans | 3.39% | 0.65% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.18% |
| Return on assets | 0.43% | 1.34% (stronger) |
| Loans ÷ deposits | 76.4% (stronger) | 95.8% |
| Uninsured deposits | 26.0% | 10.6% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bay Port State Bank has the higher TellerScore (71 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Peoples State Bank of Munising leads on 3 and Bay Port State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.