BlastPoint's Banking Scorecard
Upper Peninsula State Bank
Escanaba, MI
5 branches across MI
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 47 in MI.
- Deposits +4.6% year over year ($303.6M on the books).
- Delinquency rate 1.10%.
- Return on assets 1.41%.
- Efficiency ratio 60.66% vs a 64.48% peer average.
- Loan-to-deposit ratio 100.46% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Upper Peninsula State Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.09% above tier average
- + Net Interest Margin 0.50% above tier average
- + Efficiency Ratio 3.82% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 22.51% above tier average
- - Delinquency Rate 0.18% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$371.7M
+6.5% YoY
+0.2% QoQ
|
-$14.9M |
$386.6M
+1.2% YoY
|
$1.0B
+6.5% YoY
|
$6.3B
+7.7% YoY
|
57% |
| Total Loans ? |
$305.0M
+11.7% YoY
+4.1% QoQ
|
+$46.6M |
$258.3M
+1.7% YoY
|
$767.2M
+9.2% YoY
|
$3.2B
+9.4% YoY
|
68% |
| Total Deposits ? |
$303.6M
+4.6% YoY
+1.7% QoQ
|
-$23.1M |
$326.7M
+0.7% YoY
|
$806.0M
+5.9% YoY
|
$4.9B
+7.3% YoY
|
56% |
| Return on Assets ? |
1.41%
+31.8% YoY
+9.9% QoQ
|
+0.09% |
1.32%
+10.8% YoY
|
1.18%
+20.1% YoY
|
1.30%
+12.1% YoY
|
60% |
| Net Interest Margin ? |
4.48%
+10.6% YoY
+2.3% QoQ
|
+0.50% |
3.99%
+5.0% YoY
|
4.06%
+4.7% YoY
|
3.95%
+4.9% YoY
|
79% |
| Efficiency Ratio ? |
60.66%
-7.6% YoY
-4.4% QoQ
|
-3.82% |
64.48%
-3.2% YoY
|
65.90%
-5.4% YoY
|
70.05%
+2.5% YoY
|
55% |
| Delinquency Rate ? |
1.10%
-7.3% QoQ
|
+0.18% |
0.92%
+15.7% YoY
|
0.85%
+32.2% YoY
|
0.98%
+16.3% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
100.46%
+6.8% YoY
+2.3% QoQ
|
+22.51% |
77.95%
+1.0% YoY
|
80.02%
+3.0% YoY
|
79.03%
+2.3% YoY
|
Bottom 9.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.87%
-2.4% YoY
+6.1% QoQ
|
-9.16% |
22.03%
-0.6% YoY
|
25.55%
-0.4% YoY
|
21.98%
-0.6% YoY
|
17% |
| Nonperforming Asset Ratio ? |
0.90%
-3.7% QoQ
|
+0.23% |
0.67%
+16.4% YoY
|
0.65%
+27.6% YoY
|
0.69%
+15.8% YoY
|
23% |
| Tier 1 Capital Ratio ? |
13.42%
+2.5% YoY
+2.3% QoQ
|
-2.48% |
15.91%
+1.4% YoY
|
20.80%
-0.9% YoY
|
17.09%
+0.8% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.26%
-2.0% YoY
+108.0% QoQ
|
-0.31% |
0.57%
+7.6% YoY
|
0.38%
+3.3% YoY
|
0.66%
+5.2% YoY
|
65% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
12.9%
-0.3pp YoY +0.7pp QoQ |
-9.3pp | 22.1% | 25.9% | 22.2% | 17% |
| Brokered Deposits |
10.1%
+1.4pp YoY +2.0pp QoQ |
+2.2pp | 7.9% | 12.3% | 8.5% | 75% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
3.5%
-1.3pp YoY -0.3pp QoQ |
-8.1pp | 11.6% | 12.8% | 12.5% | 12% |
| CRE |
59.1%
-0.1pp YoY +1.5pp QoQ |
+19.6pp | 39.5% | 45.9% | 41.4% | 83% |
| 1-4 Family |
35.0%
+2.3pp YoY -1.1pp QoQ |
+2.4pp | 32.6% | 33.6% | 31.3% | 61% |
| Consumer |
3.2%
-0.7pp YoY -0.2pp QoQ |
-0.9pp | 4.1% | 4.6% | 5.0% | 62% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 26.9% | 19.7% | n/a |
| Leverage Ratio |
13.4%
+0.3pp YoY +0.3pp QoQ |
+1.3pp | 12.2% | 12.3% | 12.6% | 78% |
| Total Capital Ratio | n/a | n/a | 19.9% | 27.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
60
-3 (-4.8%) YoY +1 (+1.7%) QoQ |
+1 | 58 | 134 | 482 | 63% |
| Assets per Employee ($) |
$6.2M
+11.8% YoY -1.5% QoQ |
-$1.3M | $7.5M | $6.8M | $8.8M | 37% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 9 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
+0.1pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.2% | 0.4% | 47% |
| Nonaccrual |
1.0%
+1.0pp YoY -0.1pp QoQ |
+0.1pp | 0.9% | 0.8% | 1.0% | 72% |
| Allowance Coverage |
1.21x
-99.6% YoY +4.3% QoQ |
-22.94x | 24.15x | 6.79x | 20.23x | 32% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 28% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.9%
+2.5pp YoY +0.9pp QoQ |
-1.3pp | 12.2% | 11.7% | 11.6% | 42% |
| Cost of Funds (YTD) |
1.9%
-0.2pp YoY 0.0pp QoQ |
+0.2pp | 1.7% | 1.5% | 1.7% | 66% |
| Net Income ($, YTD) |
$2.6M
+41.0% YoY — QoQ |
+$40K | $2.6M | $7.3M | $40.4M | 63% |
Get Full Access to Upper Peninsula State Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.