Upper Peninsula State Bank Reviews and Rates

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

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Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

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Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

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Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

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Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

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Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.upstatebank.net

906-789-7000

430 North Lincoln Road
Escanaba, MI 49829

Upper Peninsula State Bank is headquartered in ESCANABA and is the 45^th largest bank in the state of Michigan. It is also the 2,269^th largest bank in the nation. It was established in 1902 and as of March of 2025, it had grown to 61 employees at 5 locations. Upper Peninsula State Bank has an A+ health rating.

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Health

A+

Data as of Q1 2025

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Health Grade Components

Overall
FDIC Certificate #	1090
Year Established	1902
Employees	61
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.84%
Return on Equity - YTD	6.58%
Annual Interest Income	$4.6MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$352.3MM$313.6MM
Loans	Q1 2025vs Q1 2024	$263.2MM$240.2MM
Deposits	Q1 2025vs Q1 2024	$295MM$260.2MM
Equity Capital	Q1 2025vs Q1 2024	$43.8MM$40.7MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$3.4MM$3.2MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$92K$149K
Real Estate Owned	Q1 2025vs Q1 2024	$255K$168K

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

Sorry, we do not have rate data for Upper Peninsula State Bank.

Locations

Upper Peninsula State Bank Locations
Iron Mountain Branch	1890 South Stephenson Avenue	Iron Mountain, MI 49801
Upper Peninsula State Bank	430 N Lincoln Rd	Escanaba, MI 49829
Lowrie Avenue Branch	1 Lowrie Avenue	Gladstone, MI 49837
Upper Peninsula State Bank Branch	1016 W Washington St	Marquette, MI 49855
Houghton Branch	960 Razorback Drive	Houghton, MI 49931

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