Side-by-side · Q2 2026 data
The First National Bank of Wakefield vs First State Bank of Michigan
Metric by metric
| Measure | The First National Bank of Wakefield | First State Bank of Michigan |
|---|---|---|
| TellerScore | 68 (stronger) | 64 |
| Capital cushion | 51 | 89 (stronger) |
| Loan quality | 76 (stronger) | 71 |
| Earnings | 46 (stronger) | 0 |
| Funding & liquidity | 100 (stronger) | 72 |
| Problem-loan coverage | 92 | 92 |
| Peer percentile | 33rd | 24th |
| Total assets | $52.6M | $87.8M |
| Deposits / shares | $47.7M | $71.6M |
| Capital ratio | 10.15% | 13.89% (stronger) |
| Problem loans | 0.71% (stronger) | 0.88% |
| Net charge-offs | 0.05% | 0.00% (stronger) |
| Return on assets | 0.65% (stronger) | -1.32% |
| Loans ÷ deposits | 45.0% (stronger) | 88.3% |
| Uninsured deposits | 8.2% (stronger) | 9.7% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First National Bank of Wakefield has the higher TellerScore (68 vs 64). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Wakefield leads on 5 and First State Bank of Michigan on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.