Upper Peninsula State Bank (FDIC #1090): Bank Stress & Real-Estate Credit Exposure
Upper Peninsula State Bank (FDIC Cert #1090): bank stress 51/100, moderate, STABLE over 7 days; parent S B E CORP.
Upper Peninsula State Bank (#1090) lends in 4 counties across 1 state; Upper Peninsula State Bank (#1090) reaches 56 ZIP codes: Michigan 4 counties, 56 ZIPs.
Upper Peninsula State Bank (#1090) largest markets: Houghton County, MI (20 branches, 20 ZIPs) (#1090), Marquette County, MI (15 branches, 15 ZIPs) (#1090), Delta County, MI (26 branches, 13 ZIPs) (#1090), Dickinson County, MI (11 branches, 11 ZIPs) (#1090).
Upper Peninsula State Bank (#1090) reports $371.7 million in total assets; Upper Peninsula State Bank (#1090) equity $48.9 million (13.1% of Upper Peninsula State Bank (#1090) assets); Upper Peninsula State Bank (#1090) domestic deposits $303.6 million; Upper Peninsula State Bank (#1090) net income $2.6 million; Upper Peninsula State Bank (#1090) return on assets 1.41%; Upper Peninsula State Bank (#1090) return on equity 10.87%; Upper Peninsula State Bank (#1090) net interest income $7.5 million; Upper Peninsula State Bank (#1090) call report June 30, 2026.
Upper Peninsula State Bank (#1090) noncurrent real-estate loans: none reported; Upper Peninsula State Bank (#1090) net charge-offs on real estate 1.15%; Upper Peninsula State Bank (#1090) residential charge-offs 2.14%.
Upper Peninsula State Bank (#1090) net interest margin 4.48% against an eight-quarter Upper Peninsula State Bank (#1090) average of 4.13% (Upper Peninsula State Bank (#1090) compression -0.36 points); Upper Peninsula State Bank (#1090) non-residential real estate 213.9% of equity; Upper Peninsula State Bank (#1090) rate-exposure score 40/100, Upper Peninsula State Bank (#1090) fixed-rate trap 40/100; Upper Peninsula State Bank (#1090) risk type credit driven; Upper Peninsula State Bank (#1090) rate regime rates elevated, Upper Peninsula State Bank (#1090) snapshot October 19, 2026.
Upper Peninsula State Bank (#1090) stress score moved from 53.3 on June 22, 2026 to 51.2 on October 20, 2026; Upper Peninsula State Bank (#1090) ranged 51.2 to 53.3 over 117 snapshots.
Upper Peninsula State Bank (#1090) alerts: 4 counties; top Upper Peninsula State Bank (#1090) alert scores: Marquette County, MI 47 (moderate); Houghton County, MI 43 (moderate); Gladstone County, MI 21 (low); Iron Mountain County, MI 21 (low).