UPPER PENINSULA STATE BANK

ESCANABA, MI | Small | Est. Jan. 1, 1902, midnight | FDIC #1090 | RSSD #236957 | FDIC
Latest Report: 2025-12-31

UPPER PENINSULA STATE BANK is asn small FDIC-insured commercial bank headquartered in ESCANABA, MI, established in Jan. 1, 1902, midnight. As of 2025-12-31, the bank reported total assets of $361M and total deposits of $290M. Profitability stands at 1.26% ROA and 9.69% ROE, with a net interest margin of 4.46%. The bank's CET1 capital ratio is 12.89%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.42% and a Texas Ratio of 8.21%. FDIC Certificate #1090.

Assets

$361M

Deposits

$290M

Loans

$293M

Equity

$47M

Profitability

Return on Assets (ROA) 1.26%
Return on Equity (ROE) 9.69%
Net Interest Margin (NIM) 4.46%
Yield on Assets 6.42%
Cost of Funds 2.10%

Asset Quality

NPL Ratio 1.42%
Net Charge-Off Ratio -0.08%
Texas Ratio 8.21%
NPA Ratio 1.15%
ACL / Loans 1.36%

Capital & Liquidity

CET1 Ratio 12.89%
Tier 1 Capital 12.89%
Total Capital Ratio 13.54%
Leverage Ratio 13.04%
Loan-to-Deposit 101.15%

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