BlastPoint's Banking Scorecard
Upper Peninsula State Bank
Micro
Specialty: Commercial
MI
FDIC cert 1090
Designations: ✓ Community bank
Escanaba, MI
2498
banks in Micro tier nationally
41 in MI
View Micro leaderboard (MI) →
Upper Peninsula State Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 25.24% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$361.5M
+9.4% YoY
+1.3% QoQ
|
+$144.0M |
$217.5M
+2.3% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
82% |
| Total Loans ? |
$289.0M
+12.0% YoY
+2.6% QoQ
|
+$149.9M |
$139.2M
+2.8% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
Top 9% in tier |
| Total Deposits ? |
$289.7M
+6.0% YoY
-2.4% QoQ
|
+$106.0M |
$183.7M
+1.8% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
80% |
| Return on Assets ? |
1.24%
+14.1% YoY
+0.6% QoQ
|
+0.15% |
1.08%
+14.7% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
61% |
| Net Interest Margin ? |
4.28%
+8.6% YoY
+2.0% QoQ
|
+0.42% |
3.85%
+6.6% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
71% |
| Efficiency Ratio ? |
61.93%
-7.3% YoY
-2.2% QoQ
|
-5.79% |
67.73%
-4.8% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
61% |
| Delinquency Rate ? | 1.44% | +0.80% |
0.64%
+24.4% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
99.77%
+5.7% YoY
+5.0% QoQ
|
+25.24% |
74.53%
+0.5% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.11%
-2.9% YoY
-10.9% QoQ
|
-9.29% |
22.39%
-1.3% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
18% |
| Nonperforming Asset Ratio ? |
1.15%
+643.3% YoY
|
+0.70% |
0.45%
+25.1% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
16% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.37%
-0.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.57%
-2.4% YoY
+30.0% QoQ
|
0 |
0.56%
+0.3% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
74% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
99.77%
(Tier avg: 74.53%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Total Loans
Current: $289.0M · Tier avg: $139.2M
82
82th pctile
Total Assets
Current: $361.5M · Tier avg: $217.5M
80
80th pctile
Total Deposits
Current: $289.7M · Tier avg: $183.7M
74
74th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.56%
71
71th pctile
Net Interest Margin
Current: 4.28% · Tier avg: 3.85%
61
61th pctile
Efficiency Ratio
Current: 61.93% · Tier avg: 67.73%
61
61th pctile
Return on Assets
Current: 1.24% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
20
20th pctile
Delinquency Rate
Current: 1.44% · Tier avg: 0.64%
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 13.11% · Tier avg: 22.39%
16
16th pctile
Nonperforming Asset Ratio
Current: 1.15% · Tier avg: 0.45%
9
9th pctile
Loan-to-Deposit Ratio
Current: 99.77% · Tier avg: 74.53%
Top Weaknesses
9
9th pctile
Loan-to-Deposit Ratio
Current: 99.77% · Tier avg: 74.53%
16
16th pctile
Nonperforming Asset Ratio
Current: 1.15% · Tier avg: 0.45%
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 13.11% · Tier avg: 22.39%
20
20th pctile
Delinquency Rate
Current: 1.44% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
61
61th pctile
Return on Assets
Current: 1.24% · Tier avg: 1.08%
61
61th pctile
Efficiency Ratio
Current: 61.93% · Tier avg: 67.73%
71
71th pctile
Net Interest Margin
Current: 4.28% · Tier avg: 3.85%
74
74th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.56%
80
80th pctile
Total Deposits
Current: $289.7M · Tier avg: $183.7M
82
82th pctile
Total Assets
Current: $361.5M · Tier avg: $217.5M
91
91th pctile
Total Loans
Current: $289.0M · Tier avg: $139.2M