Bay Port State Bank
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
$153.4MAssets
$132.3MLoans
$136.1MDeposits
$16.5MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 91% of banks under $1B in assets operating in a single state (rank 64 of 746).
- Widest gap: net charge-offs / loans trails 84% of banks under $1B in assets operating in a single state (rank 624 of 743).
- Overall: at or above the peer median on 5 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $4.2M · efficiency ratio beats 59% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |