Side-by-side · Q2 2026 data
Tri-County Bank vs First Bank, Upper Michigan
Metric by metric
| Measure | Tri-County Bank | First Bank, Upper Michigan |
|---|---|---|
| TellerScore | 78 | 81 (stronger) |
| Capital cushion | 86 (stronger) | 77 |
| Loan quality | 57 | 79 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 63 (stronger) | 59 |
| Problem-loan coverage | 85 | 93 (stronger) |
| Peer percentile | 72nd | 80th |
| Total assets | $638.6M | $629.5M |
| Deposits / shares | $545.6M | $528.3M |
| Capital ratio | 13.56% (stronger) | 12.68% |
| Problem loans | 1.30% | 0.63% (stronger) |
| Net charge-offs | -0.02% (stronger) | 0.08% |
| Return on assets | 2.31% (stronger) | 2.03% |
| Loans ÷ deposits | 93.3% | 84.4% (stronger) |
| Uninsured deposits | 18.7% (stronger) | 30.0% |
| Offices | 10 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.9% | — |
First Bank, Upper Michigan has the higher TellerScore (81 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Tri-County Bank leads on 4 and First Bank, Upper Michigan on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.