Side-by-side · Q2 2026 data
United Bank of Michigan vs Northstar Bank
Metric by metric
| Measure | United Bank of Michigan | Northstar Bank |
|---|---|---|
| TellerScore | 74 (stronger) | 59 |
| Capital cushion | 56 (stronger) | 41 |
| Loan quality | 98 (stronger) | 73 |
| Earnings | 71 | 72 (stronger) |
| Funding & liquidity | 58 (stronger) | 44 |
| Problem-loan coverage | 99 (stronger) | 77 |
| Peer percentile | 74th | 19th |
| Total assets | $1.1B | $1.2B |
| Deposits / shares | $892.7M | $973.6M |
| Capital ratio | 10.61% (stronger) | 9.11% |
| Problem loans | 0.06% (stronger) | 0.80% |
| Net charge-offs | -0.00% | -0.02% (stronger) |
| Return on assets | 1.29% | 1.30% (stronger) |
| Loans ÷ deposits | 95.8% (stronger) | 101.0% |
| Uninsured deposits | 20.7% (stronger) | 28.4% |
| Offices | 13 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.7% | 2.2% |
United Bank of Michigan has the higher TellerScore (74 vs 59). On the 7 directional measures above (where higher or lower is clearly better), United Bank of Michigan leads on 5 and Northstar Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.