Side-by-side · Q2 2026 data
Upper Peninsula State Bank vs First Bank, Upper Michigan
Metric by metric
| Measure | Upper Peninsula State Bank | First Bank, Upper Michigan |
|---|---|---|
| TellerScore | 72 | 81 (stronger) |
| Capital cushion | 84 (stronger) | 77 |
| Loan quality | 64 | 79 (stronger) |
| Earnings | 76 | 100 (stronger) |
| Funding & liquidity | 45 | 59 (stronger) |
| Problem-loan coverage | 87 | 93 (stronger) |
| Peer percentile | 50th | 80th |
| Total assets | $371.7M | $629.5M |
| Deposits / shares | $303.6M | $528.3M |
| Capital ratio | 13.42% (stronger) | 12.68% |
| Problem loans | 1.09% | 0.63% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.08% |
| Return on assets | 1.41% | 2.03% (stronger) |
| Loans ÷ deposits | 100.5% | 84.4% (stronger) |
| Uninsured deposits | 28.5% (stronger) | 30.0% |
| Offices | 5 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Bank, Upper Michigan has the higher TellerScore (81 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Upper Peninsula State Bank leads on 3 and First Bank, Upper Michigan on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Escanaba, MI
- Gladstone, MI
- Iron Mountain, MI
- Marquette, MI