BlastPoint's Banking Scorecard
Upper Peninsula State Bank
Escanaba, MI
5 branches across MI
Upper Peninsula State Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.45% above tier average
- + Efficiency Ratio 1.85% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.30% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$371.0M
+5.3% YoY
+2.6% QoQ
|
-$15.1M |
$386.1M
+0.5% YoY
|
$993.6M
+8.4% YoY
|
$6.2B
+9.1% YoY
|
57% |
| Total Loans ? |
$293.0M
+11.3% YoY
+1.4% QoQ
|
+$37.3M |
$255.7M
+1.1% YoY
|
$752.3M
+12.4% YoY
|
$3.2B
+10.8% YoY
|
67% |
| Total Deposits ? |
$298.5M
+1.2% YoY
+3.0% QoQ
|
-$29.5M |
$328.0M
+0.1% YoY
|
$797.0M
+7.4% YoY
|
$4.8B
+8.2% YoY
|
54% |
| Return on Assets ? |
1.28%
+53.2% YoY
+3.6% QoQ
|
+0.01% |
1.27%
+12.9% YoY
|
1.15%
+25.2% YoY
|
1.23%
+13.4% YoY
|
55% |
| Net Interest Margin ? |
4.38%
+14.3% YoY
+2.4% QoQ
|
+0.45% |
3.93%
+6.0% YoY
|
3.99%
+5.8% YoY
|
3.89%
+5.7% YoY
|
77% |
| Efficiency Ratio ? |
63.44%
-12.3% YoY
+2.4% QoQ
|
-1.85% |
65.29%
-4.5% YoY
|
66.95%
-6.2% YoY
|
66.95%
-4.1% YoY
|
49% |
| Delinquency Rate ? |
1.19%
-17.7% QoQ
|
+0.30% |
0.89%
+18.8% YoY
|
0.77%
+21.7% YoY
|
0.95%
+18.8% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
98.18%
+10.0% YoY
-1.6% QoQ
|
+21.54% |
76.64%
+0.8% YoY
|
78.66%
+4.9% YoY
|
76.70%
+0.9% YoY
|
Bottom 10.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.13%
-7.8% YoY
-7.4% QoQ
|
-9.89% |
22.02%
-1.0% YoY
|
24.69%
-2.1% YoY
|
22.01%
-1.2% YoY
|
15% |
| Nonperforming Asset Ratio ? |
0.94%
+851.1% YoY
-18.7% QoQ
|
+0.30% |
0.64%
+19.7% YoY
|
0.58%
+27.6% YoY
|
0.67%
+19.3% YoY
|
21% |
| Tier 1 Capital Ratio ? |
13.12%
-0.6% YoY
+0.6% QoQ
|
-2.71% |
15.83%
+1.5% YoY
|
20.91%
+0.5% YoY
|
17.06%
+0.8% YoY
|
48% |
| Non-Interest Income / Assets ? |
0.12%
+6.2% YoY
-78.0% QoQ
|
-0.16% |
0.28%
+9.3% YoY
|
0.19%
+5.8% YoY
|
0.32%
+4.1% YoY
|
65% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.