Side-by-side · Q2 2026 data
United Bank of Michigan vs Sturgis Bank & Trust Company
Metric by metric
| Measure | United Bank of Michigan | Sturgis Bank & Trust Company |
|---|---|---|
| TellerScore | 74 (stronger) | 56 |
| Capital cushion | 56 (stronger) | 36 |
| Loan quality | 98 (stronger) | 69 |
| Earnings | 71 (stronger) | 61 |
| Funding & liquidity | 58 (stronger) | 53 |
| Problem-loan coverage | 99 (stronger) | 76 |
| Peer percentile | 74th | 15th |
| Total assets | $1.1B | $1.0B |
| Deposits / shares | $892.7M | $893.0M |
| Capital ratio | 10.61% (stronger) | 8.63% |
| Problem loans | 0.06% (stronger) | 0.92% |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.29% (stronger) | 1.03% |
| Loans ÷ deposits | 95.8% | 85.1% (stronger) |
| Uninsured deposits | 20.7% (stronger) | 35.3% |
| Offices | 13 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.7% | 3.4% |
United Bank of Michigan has the higher TellerScore (74 vs 56). On the 7 directional measures above (where higher or lower is clearly better), United Bank of Michigan leads on 6 and Sturgis Bank & Trust Company on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.