Upper Peninsula State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Upper Peninsula State Bank of Escanaba, 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 | 1.55% | 1.35% | +0.20% | 66th above |
| ROAE | 11.77% | 12.05% | -0.28% | 46th below |
| Net Interest Margin | 4.55% | 3.90% | +0.65% | 81st top |
| Efficiency Ratio | 57.95% | 63.15% | -5.20% | 60th above |
| PPNR / Avg Assets | 1.98% | 1.64% | +0.34% | 72nd above |
| Yield on Earning Assets | 6.46% | 5.65% | +0.81% | 86th top |
| Cost of Funds | 2.05% | 1.85% | +0.20% | 34th below |
| Net Interest Spread | 4.17% | 3.35% | +0.82% | 88th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.00% | 0.92% | +0.08% | 28th below |
| NPA / Total Assets | 0.84% | 0.67% | +0.17% | 25th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 45th below |
| ACL / Total Loans | 1.31% | 1.28% | +0.03% | 64th above |
| ACL / NPLs (Coverage) | 130.57% | 1645.78% | -1515.21% | 37th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.35% | 7.15% | -0.80% | 34th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.42% | 12.46% | +0.96% | 78th top |
| Equity / Assets | 13.15% | 11.67% | +1.48% | 79th top |
| TCE / Tangible Assets | 13.13% | 11.40% | +1.73% | 81st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 101.79% | 78.64% | +23.15% | 9th bottom |
| Core Deposit Ratio | 81.06% | 87.10% | -6.04% | 18th bottom |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.04% | 5.11% | -1.07% | 46th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.51% | 6.47% | +0.04% | 66th above |
| Loan Growth (Y/Y) | 11.77% | 7.64% | +4.13% | 79th top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.59% | 6.02% | -1.43% | 55th above |
See Upper Peninsula State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Upper Peninsula State Bank, 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 Upper Peninsula State Bank profile, how to read a UBPR, or how this data updates.