Bank Comparison
First Bank, Upper Michigan vs Midstates Bank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 11
winning metrics across 23 comparable rows
Capital adequacy
| Metric | First Bank, Upper Michigan | Midstates Bank, N.A. |
|---|---|---|
| CET1 Ratio | 16.11% | 16.57% |
| Tier 1 Capital Ratio | 16.11% | 16.57% |
| Total Capital Ratio | 17.18% | 17.83% |
| Tier 1 Leverage Ratio | 12.59% | 11.80% |
| Equity / Assets | 13.12% | 10.52% |
Profitability
| Metric | First Bank, Upper Michigan | Midstates Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.93% | 1.35% |
| Return on Equity (ROE) | 14.93% | 13.12% |
| Net Interest Margin (NIM) | 4.23% | 3.75% |
| Yield on Earning Assets | 5.80% | 4.98% |
| Cost of Funds | 1.69% | 1.38% |
Asset quality
| Metric | First Bank, Upper Michigan | Midstates Bank, N.A. |
|---|---|---|
| Texas Ratio | 5.16% | 1.96% |
| Non-Performing Loan Ratio | 0.85% | 0.34% |
| Non-Performing Asset Ratio | 0.60% | 0.23% |
| Net Charge-Off Ratio | 0.01% | 0.05% |
| ACL / Loans | 1.16% | 2.13% |
Balance sheet
| Metric | First Bank, Upper Michigan | Midstates Bank, N.A. |
|---|---|---|
| Total Assets | $632,092K | $631,356K |
| Total Deposits | $532,142K | $542,904K |
| Total Loans | $445,807K | $428,958K |
| Total Equity | $82,930K | $66,433K |
| Net Income (quarter) | $3,078K | $2,165K |
Liquidity & funding
| Metric | First Bank, Upper Michigan | Midstates Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 83.78% | 79.01% |
| Core Deposit Ratio | 89.00% | 90.72% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Bank, Upper Michigan | Midstates Bank, N.A. |
|---|---|---|
| Headquarters City | GLADSTONE | COUNCIL BLUFFS |
| Headquarters State | MI | IA |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 10354 |
| Regulator | FDIC | OCC |
| Domestic Branches | 9 | 10 |
| Employees (FTE) | 121 | 92 |
| Established | Aug. 14, 1916, midnight | Jan. 1, 1913, 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 First Bank, Upper Michigan profile | View full Midstates Bank, N.A. profile | Browse all bank comparisons