Side-by-side · Q2 2026 data
Upper Peninsula State Bank vs First Community Bank
Metric by metric
| Measure | Upper Peninsula State Bank | First Community Bank |
|---|---|---|
| TellerScore | 72 | 77 (stronger) |
| Capital cushion | 84 (stronger) | 49 |
| Loan quality | 64 | 100 (stronger) |
| Earnings | 76 | 96 (stronger) |
| Funding & liquidity | 45 | 53 (stronger) |
| Problem-loan coverage | 87 | 100 (stronger) |
| Peer percentile | 50th | 68th |
| Total assets | $371.7M | $413.6M |
| Deposits / shares | $303.6M | $358.3M |
| Capital ratio | 13.42% (stronger) | 9.93% |
| Problem loans | 1.09% | 0.00% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.41% | 1.91% (stronger) |
| Loans ÷ deposits | 100.5% | 93.6% (stronger) |
| Uninsured deposits | 28.5% | 27.7% (stronger) |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.5% |
First Community Bank has the higher TellerScore (77 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Upper Peninsula State Bank leads on 2 and First Community Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.