Bay Port State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 37.55 percentage points lower than in Q1 2026, at 249.05%. Within Michigan, Bay Port State Bank is 25th of 72 on return on assets, 1.44% as of Q2 2026, above the middle of the field. Bay Port State Bank reported 1.44% on return on assets for Q2 2026, 0.18 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.89% |
| Equity capital to assets | 10.77% |
| Tangible equity to tangible assets | 10.77% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.60% |
| Non-performing assets ratio | 0.52% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 4.66% |
| Allowance for credit losses to loans | 1.49% |
| Reserve coverage of non-performing loans | 249.05% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.44% |
| Return on equity | 13.44% |
| Net interest margin | 4.89% |
| Efficiency ratio | 58.58% |
| Yield on earning assets | 5.85% |
| Cost of funds | 1.05% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.24% |
| Core deposits to total deposits | 94.21% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.72% |
| Securities to assets | 6.67% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.30% | 12.30% | 13.55% | 8.84% | 1.39% |
| Q4 2023 | 12.58% | 12.58% | 13.83% | 9.07% | 1.16% |
| Q1 2024 | 12.61% | 12.61% | 13.86% | 8.91% | 1.11% |
| Q2 2024 | 12.87% | 12.87% | 14.12% | 9.08% | 1.12% |
| Q3 2024 | 13.11% | 13.11% | 14.36% | 9.28% | 1.26% |
| Q4 2024 | 13.49% | 13.49% | 14.74% | 9.55% | 1.06% |
| Q1 2025 | — | — | — | 9.56% | 1.15% |
| Q2 2025 | — | — | — | 9.85% | 1.32% |
| Q3 2025 | — | — | — | 10.05% | 1.35% |
| Q4 2025 | — | — | — | 10.23% | 1.28% |
| Q1 2026 | — | — | — | 10.55% | 1.23% |
| Q2 2026 | — | — | — | 10.89% | 1.44% |
Bay Port State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bay Port State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bay Port State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15585) · FFIEC NIC profile (RSSD 961446)