Peoples State Bank of Munising: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Peoples State Bank of Munising of Munising, 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 | 0.44% | 1.34% | -0.90% | 11th bottom |
| ROAE | 3.63% | 13.32% | -9.69% | 10th bottom |
| Net Interest Margin | 3.33% | 3.93% | -0.60% | 21st bottom |
| Efficiency Ratio | 82.94% | 61.14% | +21.80% | 11th bottom |
| PPNR / Avg Assets | 0.51% | 1.68% | -1.17% | 9th bottom |
| Yield on Earning Assets | 4.65% | 5.67% | -1.02% | 12th bottom |
| Cost of Funds | 1.38% | 1.88% | -0.50% | 76th top |
| Net Interest Spread | 2.71% | 3.32% | -0.61% | 21st bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.45% | 0.94% | +2.51% | 5th bottom |
| NPA / Total Assets | 2.01% | 0.70% | +1.31% | 7th bottom |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 80th top |
| ACL / Total Loans | 2.00% | 1.28% | +0.72% | 94th top |
| ACL / NPLs (Coverage) | 57.98% | 1538.97% | -1480.99% | 14th bottom |
| Texas Ratio | 16.37% | 7.33% | +9.04% | 11th bottom |
| Provision / NCO | 0.00% | 1395.88% | -1395.88% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.75% | 12.14% | +0.61% | 73rd above |
| Equity / Assets | 12.02% | 11.37% | +0.65% | 71st above |
| TCE / Tangible Assets | 11.65% | 11.09% | +0.56% | 70th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 77.97% | 80.64% | -2.67% | 55th above |
| Core Deposit Ratio | 98.15% | 86.86% | +11.29% | 96th top |
| Wholesale Funding Ratio | 12.87% | 5.03% | +7.84% | 8th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -4.10% | 6.85% | -10.95% | 6th bottom |
| Loan Growth (Y/Y) | -3.27% | 7.90% | -11.17% | 11th bottom |
| Deposit Growth (Y/Y) | -5.23% | 6.29% | -11.52% | 6th bottom |
See Peoples State Bank of Munising's peers by name
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Unlock Peoples State Bank of Munising, 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 Peoples State Bank of Munising profile, how to read a UBPR, or how this data updates.