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Port Austin State Bank, The

Port Austin, MI · Cert 14999

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

83

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

56

Q2 2024Q2 2026peer median (50)

Liquidity

73

Q2 2024Q2 2026peer median

Efficiency

77

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Port Austin State Bank, The

Port Austin, MI · Cert 14999

State charter, non-member · FDIC · 1 branch

Q2 2026

$67.8MAssets
$45.9MLoans
$54.6MDeposits
$12.5MEquity
Loan mix
93%RE $38.5M3%C&I $1.1M5%Consumer $2.0MQ2 2025Q2 2026
Deposit mix
67%Interest-bearing $36.7M33%Noninterest $17.8MQ2 2025Q2 2026

NIM

4.09%Q2 ’244.56%Q2 ’254.66%Q2 ’26+7%+7%

Non-interest income vs. expense

1.88%Q2 ’242.00%Q2 ’252.17%Q2 ’26+7%+9%

Executive Summary

  • Earnings: ROA of 1.44%, up 10 bps year over year; NIM at 3.94%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 18.44%, up 84 bps from a year ago.
  • Funding: loans stand at 84.18% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.44%+10 bps YoY

Net Interest Margin (YTD, annualized)

3.94%+27 bps YoY

Efficiency Ratio (YTD, annualized)

54.41%+76 bps YoY

Tier 1 Leverage Ratio

18.44%+84 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.34%1.38%1.39%1.38%1.44%+10 bps
Return on Equity7.85%7.99%7.91%7.53%7.83%-3 bps
Net Interest Margin3.67%3.69%3.79%3.90%3.94%+27 bps
Efficiency Ratio53.65%52.67%53.67%55.99%54.41%+76 bps
Non-Interest Burden1.94%1.92%2.00%2.16%2.12%+18 bps
Growth
Asset Growth (YoY)-1.27%-3.34%-5.11%-0.98%0.81%+208 bps
Loan Growth (YoY)-0.71%3.12%2.87%4.41%3.60%+431 bps
Deposit Growth (YoY)-3.03%-5.15%-7.61%-2.32%-0.04%+299 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.01%0.00%0.00%0.00%-1 bps
Allowance / Loans0.70%0.71%0.73%0.72%0.71%+1 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio17.61%17.75%17.97%18.24%18.44%+84 bps
Total Risk-Based Capital17.61%17.75%17.97%18.24%18.44%+84 bps
Equity / Assets17.79%17.98%18.55%18.05%18.45%+67 bps
Liquidity & Funding
Loans / Deposits81.22%82.24%83.49%80.49%84.18%+296 bps
Liquid Assets / Assets0.15%0.15%0.16%0.25%0.26%+10 bps
CRE / Total Capitaln/a86.88%79.20%77.19%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Port Austin State Bank, The

Port Austin, MI · Cert 14999 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

State charter, non-member · FDIC · 1 branch

Q2 2026

$67.8MAssets
$45.9MLoans
$54.6MDeposits
$12.5MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
  • Widest gap: return on equity trails 68% of banks under $1B in assets operating in a single state (rank 508 of 746).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.43%

Rank 200 of 746

Net Interest Margin

3.94%

Rank 277 of 746

Efficiency Ratio

54.41%

Rank 171 of 746

Equity / Assets

18.45%

Rank 47 of 746

Non-interest income vs. expense

$0.0M$1.5MINCOMEEXPENSE
Unfavorable gap of $1.4M · efficiency ratio beats 77% of banks under $1B in assets operating in a single state
Bank 54.41%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.43%0.72%1.06%1.45%Beats 73%200 / 746
Return on Equity7.74%6.74%10.51%13.63%Beats 32%508 / 746
Net Interest Margin3.94%3.17%3.68%4.16%Beats 63%277 / 746
Efficiency Ratio54.41%55.74%64.58%75.47%Beats 77%171 / 746
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.07%Beats 100%105 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio18.44%11.55%13.75%17.60%Beats 79%158 / 746
Total Risk-Based Capital Ratio18.44%11.71%14.33%18.43%Beats 75%186 / 746
Equity / Assets18.45%8.90%10.51%13.06%Beats 94%47 / 746
Liquidity & Funding
Loans / Deposits84.18%61.31%78.27%90.78%63rd pctl275 / 746
Loans / Assets67.80%53.60%66.97%76.08%52nd pctl356 / 746
Brokered Deposits / Depositsn/aNot reported for this institution