Bank Comparison
First Bank, Upper Michigan vs Tri-county Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 13
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First Bank, Upper Michigan | Tri-county Bank |
|---|---|---|
| CET1 Ratio | 16.11% | — |
| Tier 1 Capital Ratio | 16.11% | — |
| Total Capital Ratio | 17.18% | — |
| Tier 1 Leverage Ratio | 12.59% | 13.45% |
| Equity / Assets | 13.12% | 12.35% |
Profitability
| Metric | First Bank, Upper Michigan | Tri-county Bank |
|---|---|---|
| Return on Assets (ROA) | 1.93% | 2.25% |
| Return on Equity (ROE) | 14.93% | 18.18% |
| Net Interest Margin (NIM) | 4.23% | 4.96% |
| Yield on Earning Assets | 5.80% | 6.45% |
| Cost of Funds | 1.69% | 1.66% |
Asset quality
| Metric | First Bank, Upper Michigan | Tri-county Bank |
|---|---|---|
| Texas Ratio | 5.16% | 8.23% |
| Non-Performing Loan Ratio | 0.85% | 1.37% |
| Non-Performing Asset Ratio | 0.60% | 1.06% |
| Net Charge-Off Ratio | 0.01% | 0.00% |
| ACL / Loans | 1.16% | 1.08% |
Balance sheet
| Metric | First Bank, Upper Michigan | Tri-county Bank |
|---|---|---|
| Total Assets | $632,092K | $638,709K |
| Total Deposits | $532,142K | $548,701K |
| Total Loans | $445,807K | $495,670K |
| Total Equity | $82,930K | $78,879K |
| Net Income (quarter) | $3,078K | $3,525K |
Liquidity & funding
| Metric | First Bank, Upper Michigan | Tri-county Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 83.78% | 90.34% |
| Core Deposit Ratio | 89.00% | 96.07% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Bank, Upper Michigan | Tri-county Bank |
|---|---|---|
| Headquarters City | GLADSTONE | BROWN CITY |
| Headquarters State | MI | MI |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 9 | 12 |
| Employees (FTE) | 121 | 83 |
| Established | Aug. 14, 1916, midnight | May 29, 1889, 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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