First Bank, Upper Michigan: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Bank, Upper Michigan of Gladstone, MI against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.10% | 1.34% | +0.76% | 88th top |
| ROAE | 16.04% | 13.31% | +2.73% | 71st above |
| Net Interest Margin | 4.37% | 3.93% | +0.44% | 74th above |
| Efficiency Ratio | 57.72% | 61.14% | -3.42% | 61st above |
| PPNR / Avg Assets | 2.19% | 1.68% | +0.51% | 79th top |
| Yield on Earning Assets | 5.95% | 5.67% | +0.28% | 66th above |
| Cost of Funds | 1.71% | 1.88% | -0.17% | 56th above |
| Net Interest Spread | 3.88% | 3.32% | +0.56% | 79th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.63% | 0.94% | -0.31% | 40th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.46% | 0.70% | -0.24% | 40th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.14% | 0.16% | -0.02% | 16th bottom |
| ACL / Total Loans | 1.14% | 1.28% | -0.14% | 43rd below |
| ACL / NPLs (Coverage) | 181.20% | 1539.58% | -1358.38% | 45th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.90% | 7.33% | -2.43% | 42nd below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 177.51% | 1396.62% | -1219.11% | 55th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.96% | 19.51% | -3.55% | 57th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.96% | 19.54% | -3.58% | 57th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.02% | 20.62% | -3.60% | 57th above |
| Leverage Ratio | 12.68% | 12.14% | +0.54% | 72nd above |
| Equity / Assets | 13.26% | 11.37% | +1.89% | 80th top |
| TCE / Tangible Assets | 11.90% | 11.09% | +0.81% | 73rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.40% | 80.63% | +4.77% | 39th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.80% | 86.86% | +1.94% | 48th below |
| Wholesale Funding Ratio | 1.59% | 5.04% | -3.45% | 74th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.68% | 6.86% | -5.18% | 30th below |
| Loan Growth (Y/Y) | 2.88% | 7.91% | -5.03% | 36th below |
| Deposit Growth (Y/Y) | 2.04% | 6.29% | -4.25% | 35th below |
See First Bank, Upper Michigan's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Bank, Upper Michigan, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Bank, Upper Michigan profile, how to read a UBPR, or how this data updates.