Bank Comparison
State Savings Bank of Manistique, the vs Peoples State Bank of Munising
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | State Savings Bank of Manistique, the | Peoples State Bank of Munising |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 9.46% | 12.64% |
| Equity / Assets | 7.59% | 11.96% |
Profitability
| Metric | State Savings Bank of Manistique, the | Peoples State Bank of Munising |
|---|---|---|
| Return on Assets (ROA) | 0.67% | 0.42% |
| Return on Equity (ROE) | 8.64% | 3.49% |
| Net Interest Margin (NIM) | 2.94% | 3.21% |
| Yield on Earning Assets | 4.63% | 4.51% |
| Cost of Funds | 1.77% | 1.40% |
Asset quality
| Metric | State Savings Bank of Manistique, the | Peoples State Bank of Munising |
|---|---|---|
| Texas Ratio | 1.47% | 17.64% |
| Non-Performing Loan Ratio | 0.18% | 3.51% |
| Non-Performing Asset Ratio | 0.10% | 2.07% |
| Net Charge-Off Ratio | 0.01% | 0.07% |
| ACL / Loans | 1.03% | 2.00% |
Balance sheet
| Metric | State Savings Bank of Manistique, the | Peoples State Bank of Munising |
|---|---|---|
| Total Assets | $182,771K | $188,147K |
| Total Deposits | $159,222K | $143,261K |
| Total Loans | $94,455K | $110,810K |
| Total Equity | $13,867K | $22,504K |
| Net Income (quarter) | $301 | $196 |
Liquidity & funding
| Metric | State Savings Bank of Manistique, the | Peoples State Bank of Munising |
|---|---|---|
| Loan-to-Deposit Ratio | 59.32% | 77.35% |
| Core Deposit Ratio | 97.16% | 98.18% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | State Savings Bank of Manistique, the | Peoples State Bank of Munising |
|---|---|---|
| Headquarters City | MANISTIQUE | MUNISING |
| Headquarters State | MI | MI |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 3 | 5 |
| Employees (FTE) | 26 | 36 |
| Established | July 7, 1917, midnight | June 7, 1910, 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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