Bay Port State Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.12 percentage points between Q1 2026 and Q2 2026, to 4.89%. Within Michigan, Bay Port State Bank is 8th of 72 on net interest margin, 4.89% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Bay Port State Bank sits 0.94 points higher, at 4.89% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.85% |
| Yield on loans | 6.06% |
| Yield on securities | 4.51% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.05% |
| Cost of interest-bearing deposits | 1.66% |
| Cost of interest-bearing liabilities | 1.66% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.89% |
| Yield to cost spread | 4.19% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.0M |
| Total interest expense | $352K |
| Interest expense on deposits | $352K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.35% | 0.58% | 4.80% | 5.52% | 3.57% |
| Q4 2023 | 5.32% | 0.73% | 4.62% | 5.48% | 3.72% |
| Q1 2024 | 5.40% | 0.93% | 4.52% | 5.55% | 3.76% |
| Q2 2024 | 5.55% | 1.08% | 4.53% | 5.72% | 4.06% |
| Q3 2024 | 5.74% | 1.17% | 4.65% | 5.93% | 4.12% |
| Q4 2024 | 5.68% | 1.17% | 4.59% | 5.95% | 4.05% |
| Q1 2025 | 5.58% | 1.09% | 4.57% | 5.90% | 4.15% |
| Q2 2025 | 5.83% | 1.13% | 4.78% | 6.06% | 4.30% |
| Q3 2025 | 5.88% | 1.14% | 4.85% | 6.11% | 4.25% |
| Q4 2025 | 5.89% | 1.08% | 4.91% | 6.13% | 4.31% |
| Q1 2026 | 5.74% | 1.04% | 4.77% | 5.96% | 4.41% |
| Q2 2026 | 5.85% | 1.05% | 4.89% | 6.06% | 4.51% |
Bay Port State Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bay Port State Bank, freeSource: Call Report Schedules RI and RC-K, 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)