Bank Comparison
State Savings Bank of Manistique, the vs Peoples State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 13
winning metrics across 19 comparable rows
Capital adequacy
| Metric | State Savings Bank of Manistique, the | Peoples State Bank |
|---|---|---|
| CET1 Ratio | — | 18.56% |
| Tier 1 Capital Ratio | — | 18.56% |
| Total Capital Ratio | — | 19.59% |
| Tier 1 Leverage Ratio | 9.46% | 10.36% |
| Equity / Assets | 7.59% | 8.54% |
Profitability
| Metric | State Savings Bank of Manistique, the | Peoples State Bank |
|---|---|---|
| Return on Assets (ROA) | 0.67% | 1.37% |
| Return on Equity (ROE) | 8.64% | 16.86% |
| Net Interest Margin (NIM) | 2.94% | 4.22% |
| Yield on Earning Assets | 4.63% | 5.30% |
| Cost of Funds | 1.77% | 1.13% |
Asset quality
| Metric | State Savings Bank of Manistique, the | Peoples State Bank |
|---|---|---|
| Texas Ratio | 1.47% | 14.07% |
| Non-Performing Loan Ratio | 0.18% | 2.33% |
| Non-Performing Asset Ratio | 0.10% | 1.28% |
| Net Charge-Off Ratio | 0.01% | 0.00% |
| ACL / Loans | 1.03% | 1.01% |
Balance sheet
| Metric | State Savings Bank of Manistique, the | Peoples State Bank |
|---|---|---|
| Total Assets | $182,771K | $182,477K |
| Total Deposits | $159,222K | $161,189K |
| Total Loans | $94,455K | $100,276K |
| Total Equity | $13,867K | $15,582K |
| Net Income (quarter) | $301 | $646 |
Liquidity & funding
| Metric | State Savings Bank of Manistique, the | Peoples State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 59.32% | 62.21% |
| Core Deposit Ratio | 97.16% | 94.19% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | State Savings Bank of Manistique, the | Peoples State Bank |
|---|---|---|
| Headquarters City | MANISTIQUE | SHEPHERD |
| Headquarters State | MI | TX |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 3 | 3 |
| Employees (FTE) | 26 | 35 |
| Established | July 7, 1917, midnight | Sept. 21, 1921, 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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