Side-by-side · Q2 2026 data
Peoples State Bank of Munising vs Capitol National Bank
Metric by metric
| Measure | Peoples State Bank of Munising | Capitol National Bank |
|---|---|---|
| TellerScore | 48 | 75 (stronger) |
| Capital cushion | 77 | 100 (stronger) |
| Loan quality | 0 | 50 (stronger) |
| Earnings | 37 | 92 (stronger) |
| Funding & liquidity | 71 (stronger) | 38 |
| Problem-loan coverage | 70 | 86 (stronger) |
| Peer percentile | 6th | 61st |
| Total assets | $190.4M | $209.3M |
| Deposits / shares | $142.0M | $162.1M |
| Capital ratio | 12.75% | 16.74% (stronger) |
| Problem loans | 3.39% | 1.49% (stronger) |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 0.43% | 1.79% (stronger) |
| Loans ÷ deposits | 76.4% (stronger) | 102.7% |
| Uninsured deposits | 26.0% (stronger) | 32.8% |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Capitol National Bank has the higher TellerScore (75 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Peoples State Bank of Munising leads on 2 and Capitol National Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.