Call reports 2026
UPPER PENINSULA STATE BANK — 2026
What UPPER PENINSULA STATE BANK reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 370,983,000 | 371,702,000 |
| Total loans | 297,069,000 | 309,038,000 |
| Allowance for loan losses | 4,027,000 | 4,053,000 |
| Securities available for sale | 25,961,000 | 22,480,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 298,477,000 | 303,589,000 |
| Interest-bearing deposits | 262,258,000 | 264,508,000 |
| Noninterest-bearing deposits | 36,219,000 | 39,081,000 |
| Equity capital | 47,681,000 | 48,873,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 5,240,000 | 10,681,000 |
| Interest expense | 1,595,000 | 3,205,000 |
| Net interest income | 3,645,000 | 7,476,000 |
| Noninterest income | 463,000 | 965,000 |
| Noninterest expense | 2,606,000 | 5,120,000 |
| Provision for loan losses | 30,000 | 60,000 |
| Pretax income | 1,476,000 | 3,268,000 |
| Income tax | 301,000 | 673,000 |
| Net income | 1,175,000 | 2,595,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 47,957,000 | 49,150,000 |