Side-by-side · Q2 2026 data
Upper Peninsula State Bank vs First National Bank & Trust Co.
Metric by metric
| Measure | Upper Peninsula State Bank | First National Bank & Trust Co. |
|---|---|---|
| TellerScore | 72 (stronger) | 45 |
| Capital cushion | 84 (stronger) | 45 |
| Loan quality | 64 (stronger) | 0 |
| Earnings | 76 (stronger) | 54 |
| Funding & liquidity | 45 | 96 (stronger) |
| Problem-loan coverage | 87 (stronger) | 66 |
| Peer percentile | 50th | 4th |
| Total assets | $371.7M | $386.4M |
| Deposits / shares | $303.6M | $337.6M |
| Capital ratio | 13.42% (stronger) | 9.48% |
| Problem loans | 1.09% (stronger) | 3.22% |
| Net charge-offs | -0.00% (stronger) | 0.01% |
| Return on assets | 1.41% (stronger) | 0.85% |
| Loans ÷ deposits | 100.5% | 64.2% (stronger) |
| Uninsured deposits | 28.5% | 8.1% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Upper Peninsula State Bank has the higher TellerScore (72 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Upper Peninsula State Bank leads on 5 and First National Bank & Trust Co. on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.