Bank Comparison
Baybank vs State Savings Bank of Manistique, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 8
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Baybank | State Savings Bank of Manistique, the |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 10.77% | 9.46% |
| Equity / Assets | 9.82% | 7.59% |
Profitability
| Metric | Baybank | State Savings Bank of Manistique, the |
|---|---|---|
| Return on Assets (ROA) | 1.42% | 0.67% |
| Return on Equity (ROE) | 14.31% | 8.64% |
| Net Interest Margin (NIM) | 4.66% | 2.94% |
| Yield on Earning Assets | 6.46% | 4.63% |
| Cost of Funds | 1.91% | 1.77% |
Asset quality
| Metric | Baybank | State Savings Bank of Manistique, the |
|---|---|---|
| Texas Ratio | 10.91% | 1.47% |
| Non-Performing Loan Ratio | 0.78% | 0.18% |
| Non-Performing Asset Ratio | 0.59% | 0.10% |
| Net Charge-Off Ratio | 0.07% | 0.01% |
| ACL / Loans | 1.45% | 1.03% |
Balance sheet
| Metric | Baybank | State Savings Bank of Manistique, the |
|---|---|---|
| Total Assets | $175,122K | $182,771K |
| Total Deposits | $147,582K | $159,222K |
| Total Loans | $132,373K | $94,455K |
| Total Equity | $17,197K | $13,867K |
| Net Income (quarter) | $607 | $301 |
Liquidity & funding
| Metric | Baybank | State Savings Bank of Manistique, the |
|---|---|---|
| Loan-to-Deposit Ratio | 89.69% | 59.32% |
| Core Deposit Ratio | 89.86% | 97.16% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Baybank | State Savings Bank of Manistique, the |
|---|---|---|
| Headquarters City | GLADSTONE | MANISTIQUE |
| Headquarters State | MI | MI |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 3 | 3 |
| Employees (FTE) | 36 | 26 |
| Established | July 1, 1912, midnight | July 7, 1917, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Baybank profile | View full State Savings Bank of Manistique, the profile | Browse all bank comparisons