Side-by-side · Q2 2026 data
Upper Peninsula State Bank vs The Shelby State Bank
Metric by metric
| Measure | Upper Peninsula State Bank | The Shelby State Bank |
|---|---|---|
| TellerScore | 72 | 73 (stronger) |
| Capital cushion | 84 (stronger) | 41 |
| Loan quality | 64 | 100 (stronger) |
| Earnings | 76 (stronger) | 56 |
| Funding & liquidity | 45 | 95 (stronger) |
| Problem-loan coverage | 87 | 98 (stronger) |
| Peer percentile | 50th | 53rd |
| Total assets | $371.7M | $397.0M |
| Deposits / shares | $303.6M | $339.5M |
| Capital ratio | 13.42% (stronger) | 9.06% |
| Problem loans | 1.09% | 0.01% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.03% |
| Return on assets | 1.41% (stronger) | 0.90% |
| Loans ÷ deposits | 100.5% | 63.6% (stronger) |
| Uninsured deposits | 28.5% | 16.4% (stronger) |
| Offices | 5 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 14.9% |
The Shelby State Bank has the higher TellerScore (73 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Upper Peninsula State Bank leads on 3 and The Shelby State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.