BAY PORT STATE BANK

BAY PORT, MI | Small | Est. March 1, 1938, midnight | FDIC #15585 | RSSD #961446 | FDIC
Latest Report: 2025-12-31

BAY PORT STATE BANK is asn small FDIC-insured commercial bank headquartered in BAY PORT, MI, established in March 1, 1938, midnight. As of 2025-12-31, the bank reported total assets of $153M and total deposits of $137M. Profitability stands at 1.29% ROA and 12.63% ROE, with a net interest margin of 5.20%. The bank's CET1 capital ratio is 10.28%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.59% and a Texas Ratio of 4.29%. FDIC Certificate #15585.

Assets

$153M

Deposits

$137M

Loans

$128M

Equity

$16M

Profitability

Return on Assets (ROA) 1.29%
Return on Equity (ROE) 12.63%
Net Interest Margin (NIM) 5.20%
Yield on Assets 6.25%
Cost of Funds 1.08%

Asset Quality

NPL Ratio 0.59%
Net Charge-Off Ratio 0.00%
Texas Ratio 4.29%
NPA Ratio 0.50%
ACL / Loans 1.51%

Capital & Liquidity

CET1 Ratio 10.28%
Tier 1 Capital 10.28%
Total Capital Ratio 10.80%
Leverage Ratio 10.23%
Loan-to-Deposit 93.69%

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