PORT AUSTIN STATE BANK, THE

PORT AUSTIN, MI | Micro | Est. Jan. 1, 1884, midnight | FDIC #14999 | RSSD #779641 | FDIC
Latest Report: 2025-12-31

PORT AUSTIN STATE BANK, THE is amn micro FDIC-insured commercial bank headquartered in PORT AUSTIN, MI, established in Jan. 1, 1884, midnight. As of 2025-12-31, the bank reported total assets of $66M and total deposits of $53M. Profitability stands at 1.75% ROA and 9.57% ROE, with a net interest margin of 4.31%. The bank's CET1 capital ratio is 18.55%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #14999.

Assets

$66M

Deposits

$53M

Loans

$44M

Equity

$12M

Profitability

Return on Assets (ROA) 1.75%
Return on Equity (ROE) 9.57%
Net Interest Margin (NIM) 4.31%
Yield on Assets 5.18%
Cost of Funds 1.42%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.73%

Capital & Liquidity

CET1 Ratio 18.55%
Tier 1 Capital 18.55%
Total Capital Ratio 19.48%
Leverage Ratio 17.97%
Loan-to-Deposit 83.49%

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