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
Unfavorable gap of $1.4M · efficiency ratio beats 77% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.43% | 0.72% | 1.06% | 1.45% | Beats 73% | 200 / 746 | | |
| Return on Equity | 7.74% | 6.74% | 10.51% | 13.63% | Beats 32% | 508 / 746 | | |
| Net Interest Margin | 3.94% | 3.17% | 3.68% | 4.16% | Beats 63% | 277 / 746 | | |
| Efficiency Ratio | 54.41% | 55.74% | 64.58% | 75.47% | Beats 77% | 171 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 18.44% | 11.55% | 13.75% | 17.60% | Beats 79% | 158 / 746 | | |
| Total Risk-Based Capital Ratio | 18.44% | 11.71% | 14.33% | 18.43% | Beats 75% | 186 / 746 | | |
| Equity / Assets | 18.45% | 8.90% | 10.51% | 13.06% | Beats 94% | 47 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 84.18% | 61.31% | 78.27% | 90.78% | 63rd pctl | 275 / 746 | | |
| Loans / Assets | 67.80% | 53.60% | 66.97% | 76.08% | 52nd pctl | 356 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |