Side-by-side · Q2 2026 data
United Bank of Michigan vs First State Bank
Metric by metric
| Measure | United Bank of Michigan | First State Bank |
|---|---|---|
| TellerScore | 74 (stronger) | 63 |
| Capital cushion | 56 (stronger) | 50 |
| Loan quality | 98 (stronger) | 73 |
| Earnings | 71 (stronger) | 69 |
| Funding & liquidity | 58 (stronger) | 50 |
| Problem-loan coverage | 99 (stronger) | 88 |
| Peer percentile | 74th | 30th |
| Total assets | $1.1B | $1.3B |
| Deposits / shares | $892.7M | $1.2B |
| Capital ratio | 10.61% (stronger) | 10.01% |
| Problem loans | 0.06% (stronger) | 0.81% |
| Net charge-offs | -0.00% (stronger) | 0.13% |
| Return on assets | 1.29% (stronger) | 1.24% |
| Loans ÷ deposits | 95.8% | 85.8% (stronger) |
| Uninsured deposits | 20.7% (stronger) | 36.8% |
| Offices | 13 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.7% | 4.6% |
United Bank of Michigan has the higher TellerScore (74 vs 63). On the 7 directional measures above (where higher or lower is clearly better), United Bank of Michigan leads on 6 and First State Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.