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Overview / Commentary
430 North Lincoln Road
Escanaba, MI 49829

Upper Peninsula State Bank is headquartered in Escanaba and is the 67th largest bank in the state of Michigan. It is also the 3,066th largest bank in the nation. It was established in 1902 and as of September of 2017, it had grown to 41 employees at 2 locations. Upper Peninsula State Bank has an A health rating.

Reviews (1)

Good Bank, Terrible Customer Service

I joined my bank about 4 years ago specifically because they had a downtown branch near my house. Unfortunately, the downtown branch closed within the last year and since then it just hasn't been worth it. I have a checking account with the bank and while I have no issues with my account there, the tellers are often rude.

Every Christmas I get checks from family in the lower peninsula and the tellers are always discourteous about it. I will bring the check in and they will rudely inform me that they will have to hold the check as it is out of area. I am fine with them having to hold the check, this is standard practice, however they are very specific about how they don't trust out of area banks and would have no problem trusting a check from a bank down the street.

The tellers have also asked me information which I find a little too personal, asking why I get paid through the internet, do I sell stuff on the internet, and giving me the side eye when I say that I do freelance work online.

Overall, the bank isn't bad, but as they are no longer more convenient to me than any other bank in the area, and the service has been pretty consistently rude, I plan on switching banks soon.


Health Grade Components

FDIC Certificate #1090
Year Established1902
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.22%
Return on Equity - YTD7.24%
Annual Interest Income$5.8MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$190.0MM$182.1MM
LoansQ3 2017vs Q3 2016$120.9MM$116.9MM
DepositsQ3 2017vs Q3 2016$149.3MM$142.2MM
Equity CapitalQ3 2017vs Q3 2016$32.7MM$32.1MM
Loan Loss AllowanceQ3 2017vs Q3 2016$2.5MM$2.3MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$1.5MM$1.7MM
Real Estate OwnedQ3 2017vs Q3 2016$339.00K$496.00K

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Upper Peninsula State Bank Locations
Iron Mountain Branch1890 South Stephenson AvenueIron Mountain, MI 49801
Upper Peninsula State Bank430 North Lincoln RoadEscanaba, MI 49829