Side-by-side · Q2 2026 data
The State Savings Bank of Manistique vs Bay Port State Bank
Metric by metric
| Measure | The State Savings Bank of Manistique | Bay Port State Bank |
|---|---|---|
| TellerScore | 66 | 71 (stronger) |
| Capital cushion | 46 | 59 (stronger) |
| Loan quality | 77 | 78 (stronger) |
| Earnings | 51 | 73 (stronger) |
| Funding & liquidity | 93 (stronger) | 64 |
| Problem-loan coverage | 91 | 91 |
| Peer percentile | 31st | 47th |
| Total assets | $178.2M | $153.4M |
| Deposits / shares | $154.1M | $136.1M |
| Capital ratio | 9.64% | 10.89% (stronger) |
| Problem loans | 0.70% | 0.65% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.18% |
| Return on assets | 0.77% | 1.34% (stronger) |
| Loans ÷ deposits | 59.8% (stronger) | 95.8% |
| Uninsured deposits | 21.7% | 10.6% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bay Port State Bank has the higher TellerScore (71 vs 66). On the 7 directional measures above (where higher or lower is clearly better), The State Savings Bank of Manistique leads on 2 and Bay Port State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.