Bay Port State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bay Port State Bank of Bay Port, MI against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.44% | 1.34% | +0.10% | 60th above |
| ROAE | 13.44% | 13.32% | +0.12% | 57th above |
| Net Interest Margin | 4.89% | 3.93% | +0.96% | 90th top |
| Efficiency Ratio | 58.58% | 61.13% | -2.55% | 58th above |
| PPNR / Avg Assets | 2.06% | 1.68% | +0.38% | 75th top |
| Yield on Earning Assets | 5.85% | 5.67% | +0.18% | 61st above |
| Cost of Funds | 1.05% | 1.88% | -0.83% | 90th top |
| Net Interest Spread | 4.19% | 3.32% | +0.87% | 89th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.60% | 0.94% | -0.34% | 41st below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.52% | 0.70% | -0.18% | 37th below |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.49% | 1.28% | +0.21% | 78th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 249.05% | 1546.33% | -1297.28% | 54th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.66% | 7.34% | -2.68% | 43rd below |
| Provision / NCO | 129.17% | 1395.15% | -1265.98% | 46th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.89% | 12.14% | -1.25% | 48th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.77% | 11.36% | -0.59% | 57th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.77% | 11.08% | -0.31% | 61st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 97.24% | 80.66% | +16.58% | 15th bottom |
| Core Deposit Ratio | 94.21% | 86.85% | +7.36% | 80th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.70% | 6.84% | -4.14% | 37th below |
| Loan Growth (Y/Y) | 2.69% | 7.92% | -5.23% | 35th below |
| Deposit Growth (Y/Y) | 1.90% | 6.29% | -4.39% | 35th below |
See Bay Port State Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bay Port State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bay Port State Bank profile, how to read a UBPR, or how this data updates.