Side-by-side · Q2 2026 data
Upper Peninsula State Bank vs Baybank
Metric by metric
| Measure | Upper Peninsula State Bank | Baybank |
|---|---|---|
| TellerScore | 72 (stronger) | 56 |
| Capital cushion | 84 (stronger) | 57 |
| Loan quality | 64 (stronger) | 33 |
| Earnings | 76 (stronger) | 69 |
| Funding & liquidity | 45 | 63 (stronger) |
| Problem-loan coverage | 87 (stronger) | 71 |
| Peer percentile | 50th | 13th |
| Total assets | $371.7M | $173.4M |
| Deposits / shares | $303.6M | $145.8M |
| Capital ratio | 13.42% (stronger) | 10.71% |
| Problem loans | 1.09% (stronger) | 2.02% |
| Net charge-offs | -0.00% (stronger) | 0.06% |
| Return on assets | 1.41% (stronger) | 1.23% |
| Loans ÷ deposits | 100.5% | 92.4% (stronger) |
| Uninsured deposits | 28.5% | 19.6% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Upper Peninsula State Bank has the higher TellerScore (72 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Upper Peninsula State Bank leads on 5 and Baybank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Escanaba, MI
- Gladstone, MI