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 Upper Peninsula State Bank
Upper Peninsula State Bank
| RSSD ID 236957 | CERTIFICATE 1090 | ABA NUMBER 91101138 |
| 430 N Lincoln Rd |
Quarter Ended : |
2025-12-31 |
| Escanaba, Michigan, 49829 |
Updated : |
2026-02-01 |
| www.upstatebank.net |
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| Institution Profile |
| Year Opened : |
1902 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
041 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
5 |
Number of Employees : |
62 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 361,467 |
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Total Interest Income | 20,105 |
| Total Liabilities | 314,751 |
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Total NonInterest Income | 2,046 |
| Total Bank Equity Capital | 46,716 |
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Total Interest Expense | 6,450 |
| Total Deposits | 289,708 |
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Total NonInterest Expense | 9,724 |
| Net Loans & Leases | 289,037 |
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Net Income | 4,334 |
| Loan Loss Allowance | 3,992 |
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Net Charge Offs | (224) |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 291,227 |
| Total assets for the leverage ratio | 359,780 |
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Loans secured by real estate: | 266,077 |
| Tier 1 Leverage Ratio | 13.04 |
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Commercial and industrial loans | 13,481 |
| Off Balance Sheet Exposures (%) | 0.27 |
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Loans to individuals - Credit Cards | 73 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 10,521 |
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:· Upper Peninsula State Bank
