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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.24% | 1.28% | 1.28% | 1.24% | 1.34% | +10 bps | |
| Return on Equity | 13.00% | 13.22% | 13.07% | 11.82% | 12.63% | -37 bps | |
| Net Interest Margin | 4.53% | 4.55% | 4.56% | 4.61% | 4.67% | +14 bps | |
| Efficiency Ratio | 64.09% | 62.94% | 62.37% | 64.36% | 61.45% | -265 bps | |
| Non-Interest Burden | 2.81% | 2.77% | 2.75% | 2.88% | 2.78% | -4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.06% | 2.85% | 2.69% | -1.07% | 2.70% | +63 bps | |
| Loan Growth (YoY) | 10.21% | 10.14% | 8.86% | 7.39% | 2.69% | -752 bps | |
| Deposit Growth (YoY) | 1.14% | 2.23% | 1.67% | -2.40% | 1.90% | +76 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.24% | 0.76% | 1.05% | 0.51% | 0.65% | +41 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.01% | 0.00% | 0.37% | 0.18% | +19 bps | |
| Allowance / Loans | 1.34% | 1.39% | 1.51% | 1.45% | 1.49% | +15 bps | |
| Allowance Coverage of NPLs | 5.6x | 1.8x | 1.4x | 2.9x | 2.3x | -3.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.85% | 10.05% | 10.23% | 10.55% | 10.89% | +104 bps | |
| Total Risk-Based Capital | 9.85% | 10.05% | 10.23% | 10.55% | 10.89% | +104 bps | |
| Equity / Assets | 9.93% | 10.17% | 10.28% | 10.69% | 10.77% | +83 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 96.50% | 97.12% | 93.69% | 97.08% | 97.24% | +74 bps | |
| Liquid Assets / Assets | 1.12% | 0.90% | 1.00% | 0.89% | 0.99% | -14 bps | |
| CRE / Total Capital | n/a | 147.87% | 148.69% | 142.90% | n/a | n/a | |