Bay Port State Bank
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Data as of · sourced from FFIEC call reports. How we update
Bay Port State Bank is an FDIC-insured commercial bank headquartered in Bay Port, MI, established in 1938 (FDIC certificate 15585), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $153.4M, up 2.7% from Q2 2025, the 59th largest of 72 banks headquartered in Michigan. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.89% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15585
- Headquarters
- Bay Port, MI
- Established
- 1938
- Total assets, Q2 2026
- $153.4M
- Assets vs Q2 2025
- +2.7%
- Tier 1 leverage ratio, Q2 2026
- 10.89%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 072405688
- Latest call report
- Q2 2026, FFIEC 051 · Bay Port State Bank call report
- Holding company
- BAY PORT FINANCIAL CORPORATION
- Asset rank in state
- 59th of 72 in Michigan
Problem loans are rising at Bay Port State Bank. Based in Bay Port, Michigan, it had $153 million in assets at June 30, 2026, up 2.7% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.65% of loans from 0.24% a year earlier. It keeps 4.89 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also pays an average of 1.05% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.80%).
Net income for the quarter rose 10% from a year earlier, to $547,000.
As of June 30, 2026, Bay Port State Bank reported a return on assets of 1.44%, a nonperforming-loan ratio of 0.65% and a Texas ratio of 4.66%. The figures come from its call report filed with the FFIEC.
Of the 72 banks headquartered in Michigan, Bay Port State Bank is the 59th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.2% to $153.4M, loans rose 2.2% and deposits rose 2.1%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 28.4% of total loans, followed by 1-4 family residential loans at 26.3%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in MI; its Bad Axe office books 51% of its branch deposits. On its Q2 2026 call report, Bay Port State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 9840 Main St, Bay Port, MI 48720
- County
- Huron
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 1, 1938
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 33
- Domestic deposits
- $136.1M
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- $120K
- Average total assets
- $152.1M
- Average total loans
- $130.2M
- Average interest-bearing deposits
- $84.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 3, 1938
- FDIC Cert
- 15585
- Fed RSSD
- 961446
- Parent Holding Company
- BAY PORT FINANCIAL CORPORATION (RSSD 2389978)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Bay Port State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Bay Port State Bank's total assets ran between $136.8M (Q3 2023) and $153.4M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$153.4M total assets against $149.3M; $136.9M total liabilities against $134.5M.
$130.3M net loans and leases against $127.1M; $136.1M total deposits against $133.5M.
$10.2M securities against $12.5M; $8.1M cash and balances due against $5.3M.
$2.1M total interest income against $2.1M; $352K total interest expense against $383K.
$1.8M net interest income against $1.7M.
$95K total noninterest income against $94K; $1.1M total noninterest expense against $1.1M.
$90K provision for credit losses against $67K.
$547K net income against $496K.
1.44% return on assets against 1.32%; 4.89% net interest margin against 4.78%.
10.89% tier 1 leverage ratio against 9.85%.
Inside the full Bay Port State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBay Port State Bank rankings
Its closest position to the top of a national ranking is 1,424 of 3,640, for Texas Ratio; its furthest is 3,269 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.06% (Q4 2024) to 1.44% (Q2 2026) and its net interest margin ran from 4.57% (Q1 2025) to 4.91% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.89% | 1.44% | 0.65% | 4.66% | 4.89% |
| Q1 2026 | 10.55% | 1.23% | 0.51% | 3.67% | 4.77% |
| Q4 2025 | 10.23% | 1.28% | 1.05% | 7.64% | 4.91% |
| Q3 2025 | 10.05% | 1.35% | 0.76% | 5.78% | 4.85% |
| Q2 2025 | 9.85% | 1.32% | 0.24% | 1.88% | 4.78% |
| Q1 2025 | 9.56% | 1.15% | 0.00% | 0.01% | 4.57% |
| Q4 2024 | 9.55% | 1.06% | 0.55% | 4.20% | 4.59% |
| Q3 2024 | 9.28% | 1.26% | 0.69% | 5.33% | 4.65% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bad Axe Branch | Bad Axe , MI | 48413 | $69.9M |
| Pigeon Branch | Pigeon , MI | 48755 | $38.9M |
| Sebewaing Branch | Sebewaing , MI | 48759 | $14.1M |
| Bay Port State Bank (main office) | Bay Port , MI | 48720 | $13.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MI, rank 77 of 95 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bay Port State Bank
What are Bay Port State Bank's total assets?
As of the Q2 2026 filing, Bay Port State Bank reported total assets of $153.4 million in its FFIEC call report.
Where is Bay Port State Bank headquartered?
It is headquartered in Bay Port, MI, United States.
When was Bay Port State Bank founded?
It was established in 1938, per the FDIC institution directory.
Is Bay Port State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15585). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bay Port State Bank?
Bay Port State Bank's primary federal regulator is the FDIC.
How many branches does Bay Port State Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bay Port State Bank's Texas Ratio?
Its Texas Ratio is 4.66% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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