The Port Austin State Bank
Total assets
$67.8M
▲ +0.8% YoY
Deposits
$54.6M
▼ -0.0% YoY
Loans
$45.6M
▲ +3.6% YoY
Offices
1
ROA (annualized)
1.83%
peers 0.99%
ROE (annualized)
9.97%
peers 8.07%
Peer comparison 537 banks with <100M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +3.0% | -2.2 pts |
| Deposit growth (YoY) | -0.0% | +2.5% | -2.5 pts |
| Loan growth (YoY) | +3.6% | +2.6% | +1.0 pts |
| ROA | 1.83% | 0.99% | +0.8 pts |
| ROE | 10.0% | 8.1% | +1.9 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
Profile
- Established
- 1884
- Charter
- State
- Primary regulator
- FDIC
- Specialization
- All Other Under 1 Billion
- Address
- 62 E State St, Port Austin, MI, 48467
- County
- Huron
- Offices
- 1
- FDIC cert #
- 14999
- RSSD ID
- 779641
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $67.8M | $54.6M | $45.6M | $12.5M | $616K | 1.83% | 4.31% | 0.00% |
| Q1 2026 | $68.4M | $55.4M | $44.3M | $12.3M | $294K | 1.75% | 4.25% | 0.00% |
| Q4 2025 | $65.9M | $53.0M | $44.0M | $12.2M | $1.2M | 1.76% | 4.12% | 0.00% |
| Q3 2025 | $67.8M | $54.9M | $44.9M | $12.2M | $901K | 1.76% | 4.05% | 0.00% |
| Q2 2025 | $67.2M | $54.6M | $44.0M | $12.0M | $584K | 1.70% | 3.93% | 0.00% |
| Q1 2025 | $69.0M | $56.7M | $42.4M | $11.7M | $292K | 1.69% | 3.80% | 0.00% |
| Q4 2024 | $69.4M | $57.4M | $42.7M | $11.4M | $1.1M | 1.65% | 3.74% | 0.00% |
| Q3 2024 | $70.2M | $57.9M | $43.5M | $11.6M | $861K | 1.70% | 3.72% | 0.00% |
Loan mix (Q2 2026): real estate $39.2M · commercial $1.2M · consumer $1.7M · securities $15.9M
Ratio pack Q2 2026 · peer medians from 537 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.83% | 0.99% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 10.0% | 8.1% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.31% | 3.88% | 66th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.4% | 70.8% | 16th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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