Side-by-side · Q2 2026 data
Upper Peninsula State Bank vs Chelsea State Bank
Metric by metric
| Measure | Upper Peninsula State Bank | Chelsea State Bank |
|---|---|---|
| TellerScore | 72 | 75 (stronger) |
| Capital cushion | 84 (stronger) | 78 |
| Loan quality | 64 (stronger) | 56 |
| Earnings | 76 | 83 (stronger) |
| Funding & liquidity | 45 | 80 (stronger) |
| Problem-loan coverage | 87 (stronger) | 85 |
| Peer percentile | 50th | 61st |
| Total assets | $371.7M | $416.5M |
| Deposits / shares | $303.6M | $366.0M |
| Capital ratio | 13.42% (stronger) | 12.76% |
| Problem loans | 1.09% (stronger) | 1.33% |
| Net charge-offs | -0.00% | -0.01% (stronger) |
| Return on assets | 1.41% | 1.57% (stronger) |
| Loans ÷ deposits | 100.5% | 69.0% (stronger) |
| Uninsured deposits | 28.5% | 25.5% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Chelsea State Bank has the higher TellerScore (75 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Upper Peninsula State Bank leads on 2 and Chelsea State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.