Bay Port, MI · Cert 15585 · Bay Port Financial Corp.
State charter, non-member · FDIC · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
30
Asset Quality
28
Profitability
75
Liquidity
14
Efficiency
59
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.
Bay Port, MI · Cert 15585 · Bay Port Financial Corp.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.17% | 1.14% | 1.16% | 1.24% | 1.28% | 1.28% | 1.24% | 1.34% | +10 bps | |
| Return on Equity | 13.09% | 12.66% | 12.37% | 13.00% | 13.22% | 13.07% | 11.82% | 12.63% | -37 bps | |
| Net Interest Margin | 4.37% | 4.40% | 4.43% | 4.53% | 4.55% | 4.56% | 4.61% | 4.67% | +14 bps | |
| Efficiency Ratio | 66.21% | 67.30% | 66.04% | 64.09% | 62.94% | 62.37% | 64.36% | 61.45% | -265 bps | |
| Non-Interest Burden | 2.81% | 2.88% | 2.84% | 2.81% | 2.77% | 2.75% | 2.88% | 2.78% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.67% | 2.83% | 3.30% | 2.06% | 2.85% | 2.69% | -1.07% | 2.70% | +63 bps | |
| Loan Growth (YoY) | 3.48% | 5.68% | 5.62% | 10.21% | 10.14% | 8.86% | 7.39% | 2.69% | -752 bps | |
| Deposit Growth (YoY) | 5.58% | 2.00% | 2.51% | 1.14% | 2.23% | 1.67% | -2.40% | 1.90% | +76 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.69% | 0.55% | 0.00% | 0.24% | 0.76% | 1.05% | 0.51% | 0.65% | +41 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.08% | -0.01% | -0.01% | 0.01% | 0.00% | 0.37% | 0.18% | +19 bps | |
| Allowance / Loans | 1.33% | 1.37% | 1.38% | 1.34% | 1.39% | 1.51% | 1.45% | 1.49% | +15 bps | |
| Allowance Coverage of NPLs | 1.9x | 2.5x | 832.0x | 5.6x | 1.8x | 1.4x | 2.9x | 2.3x | -3.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.28% | 9.55% | 9.56% | 9.85% | 10.05% | 10.23% | 10.55% | 10.89% | +104 bps | |
| Total Risk-Based Capital | 14.36% | 14.74% | 9.56% | 9.85% | 10.05% | 10.23% | 10.55% | 10.89% | +104 bps | |
| Equity / Assets | 9.41% | 9.26% | 9.44% | 9.93% | 10.17% | 10.28% | 10.69% | 10.77% | +83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.14% | 87.51% | 88.23% | 96.50% | 97.12% | 93.69% | 97.08% | 97.24% | +74 bps | |
| Liquid Assets / Assets | 1.80% | 1.60% | 2.21% | 1.12% | 0.90% | 1.00% | 0.89% | 0.99% | -14 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 147.87% | 148.69% | 142.90% | n/a | n/a | |
Bay Port, MI · Cert 15585 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Bay Port Financial Corp.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
1.33%
Rank 240 of 746
Net Interest Margin
4.67%
Rank 64 of 746
Efficiency Ratio
61.45%
Rank 305 of 746
Equity / Assets
10.77%
Rank 343 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.33% | 0.72% | 1.06% | 1.45% | Beats 68% | 240 / 746 | ||
| Return on Equity | 12.32% | 6.74% | 10.51% | 13.63% | Beats 66% | 253 / 746 | ||
| Net Interest Margin | 4.67% | 3.17% | 3.68% | 4.16% | Beats 91% | 64 / 746 | ||
| Efficiency Ratio | 61.45% | 55.74% | 64.58% | 75.47% | Beats 59% | 305 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.65% | 0.09% | 0.42% | 1.07% | Beats 40% | 448 / 743 | ||
| Net Charge-Offs / Loans | 0.09% | 0.00% | 0.01% | 0.05% | Beats 16% | 624 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.89% | 11.55% | 13.75% | 17.60% | Beats 18% | 611 / 746 | ||
| Total Risk-Based Capital Ratio | 10.89% | 11.71% | 14.33% | 18.43% | Beats 17% | 621 / 746 | ||
| Equity / Assets | 10.77% | 8.90% | 10.51% | 13.06% | Beats 54% | 343 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 97.24% | 61.31% | 78.27% | 90.78% | 87th pctl | 97 / 746 | ||
| Loans / Assets | 86.27% | 53.60% | 66.97% | 76.08% | 97th pctl | 24 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||