Side-by-side · Q2 2026 data
Upper Peninsula State Bank vs Nicolet National Bank
Metric by metric
| Measure | Upper Peninsula State Bank | Nicolet National Bank |
|---|---|---|
| TellerScore | 72 (stronger) | 64 |
| Capital cushion | 84 (stronger) | 46 |
| Loan quality | 64 | 79 (stronger) |
| Earnings | 76 (stronger) | 67 |
| Funding & liquidity | 45 | 54 (stronger) |
| Problem-loan coverage | 87 | 94 (stronger) |
| Peer percentile | 50th | 46th |
| Total assets | $371.7M | $15.4B |
| Deposits / shares | $303.6M | $13.0B |
| Capital ratio | 13.42% (stronger) | 9.64% |
| Problem loans | 1.09% | 0.63% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.03% |
| Return on assets | 1.41% (stronger) | 1.17% |
| Loans ÷ deposits | 100.5% | 86.0% (stronger) |
| Uninsured deposits | 28.5% (stronger) | 33.2% |
| Offices | 5 | 110 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.5% |
Upper Peninsula State Bank has the higher TellerScore (72 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Upper Peninsula State Bank leads on 5 and Nicolet National Bank on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.