Bank Comparison
First Bank, Upper Michigan vs MT. Mckinley Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 7
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First Bank, Upper Michigan | MT. Mckinley Bank |
|---|---|---|
| CET1 Ratio | 16.11% | — |
| Tier 1 Capital Ratio | 16.11% | — |
| Total Capital Ratio | 17.18% | — |
| Tier 1 Leverage Ratio | 12.59% | 18.64% |
| Equity / Assets | 13.12% | 16.33% |
Profitability
| Metric | First Bank, Upper Michigan | MT. Mckinley Bank |
|---|---|---|
| Return on Assets (ROA) | 1.93% | 0.60% |
| Return on Equity (ROE) | 14.93% | 3.83% |
| Net Interest Margin (NIM) | 4.23% | 3.61% |
| Yield on Earning Assets | 5.80% | 4.46% |
| Cost of Funds | 1.69% | 0.98% |
Asset quality
| Metric | First Bank, Upper Michigan | MT. Mckinley Bank |
|---|---|---|
| Texas Ratio | 5.16% | 3.69% |
| Non-Performing Loan Ratio | 0.85% | 1.34% |
| Non-Performing Asset Ratio | 0.60% | 0.63% |
| Net Charge-Off Ratio | 0.01% | 0.06% |
| ACL / Loans | 1.16% | 1.63% |
Balance sheet
| Metric | First Bank, Upper Michigan | MT. Mckinley Bank |
|---|---|---|
| Total Assets | $632,092K | $631,474K |
| Total Deposits | $532,142K | $521,906K |
| Total Loans | $445,807K | $280,400K |
| Total Equity | $82,930K | $103,117K |
| Net Income (quarter) | $3,078K | $988 |
Liquidity & funding
| Metric | First Bank, Upper Michigan | MT. Mckinley Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 83.78% | 53.73% |
| Core Deposit Ratio | 89.00% | 92.20% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Bank, Upper Michigan | MT. Mckinley Bank |
|---|---|---|
| Headquarters City | GLADSTONE | FAIRBANKS |
| Headquarters State | MI | AK |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 9 | 5 |
| Employees (FTE) | 121 | 91 |
| Established | Aug. 14, 1916, midnight | Dec. 3, 1965, 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.
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