The Port Austin State Bank
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Data as of · sourced from FFIEC call reports. How we update
The Port Austin State Bank is an FDIC-insured commercial bank headquartered in Port Austin, MI, established in 1884 (FDIC certificate 14999), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $67.8M, up 0.8% from Q2 2025, the 71st largest of 72 banks headquartered in Michigan. It reports no CET1 ratio; its Tier 1 leverage ratio was 18.44% 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
- 14999
- Headquarters
- Port Austin, MI
- Established
- 1884
- Total assets, Q2 2026
- $67.8M
- Assets vs Q2 2025
- +0.8%
- Tier 1 leverage ratio, Q2 2026
- 18.44%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 072405206
- Latest call report
- Q2 2026, FFIEC 051 · The Port Austin State Bank call report
- Asset rank in state
- 71st of 72 in Michigan
The Port Austin State Bank, based in Port Austin, Michigan, reported $68 million in assets at June 30, 2026. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 1.4%). It also spends about 53 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 69 cents).
Net income for the quarter rose 10% from a year earlier, to $322,000. Over the same year, loans grew 3.6% and deposits shrank 0.0%.
As of June 30, 2026, The Port Austin State Bank reported a return on assets of 1.89%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
The Port Austin State Bank ranks as the 71st largest of the 72 banks based in Michigan, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.9% to $67.8M, loans rose 3.1% and deposits fell 1.5%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 57.9% of total loans, followed by owner-occupied commercial real estate loans at 19.4%. The FDIC Summary of Deposits lists a single office for it, in Port Austin, MI. Judged on its Q2 2026 call report, The Port Austin State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 62 E State St, Port Austin, MI 48467
- 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
- January 1, 1884
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 9
- Domestic deposits
- $54.6M
- Allowance for credit losses
- $327K
- Net charge-offs (YTD)
- $0
- Average total assets
- $68.1M
- Average total loans
- $44.8M
- Average interest-bearing deposits
- $37.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 22, 1935
- FDIC Cert
- 14999
- Fed RSSD
- 779641
- Website
- www.portaustinbank.com →
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, The Port Austin State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Port Austin State Bank's total assets ranged from $65.6M (Q1 2024) to $70.2M (Q3 2024), 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
$67.8M total assets against $67.2M; $55.2M total liabilities against $55.3M.
$45.6M net loans and leases against $44.0M; $54.6M total deposits against $54.6M.
$15.9M securities against $16.5M; $2.7M cash and balances due against $3.2M.
$806K total interest income against $783K; $125K total interest expense against $149K.
$681K net interest income against $634K.
$11K total noninterest income against $8K; $366K total noninterest expense against $350K.
$4K provision for credit losses against $0.
$322K net income against $292K.
1.89% return on assets against 1.73%; 4.32% net interest margin against 4.04%.
18.44% tier 1 leverage ratio against 17.61%.
Inside the full The Port Austin State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.49% (Q4 2024) to 1.89% (Q2 2026) and its net interest margin ran from 3.74% (Q1 2025) to 4.32% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.44% | 1.89% | 0.00% | 0.00% | 4.32% |
| Q1 2026 | 18.24% | 1.74% | 0.00% | 0.00% | 4.23% |
| Q4 2025 | 17.97% | 1.73% | 0.00% | 0.00% | 4.25% |
| Q3 2025 | 17.75% | 1.86% | 0.00% | 0.00% | 4.13% |
| Q2 2025 | 17.61% | 1.73% | 0.00% | 0.00% | 4.04% |
| Q1 2025 | 16.91% | 1.69% | 0.00% | 0.00% | 3.74% |
| Q4 2024 | 16.57% | 1.49% | 0.00% | 0.00% | 3.78% |
| Q3 2024 | 16.49% | 1.87% | 0.00% | 0.00% | 3.81% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| The Port Austin State Bank | Port Austin , MI | 48467 | $54.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MI, rank 92 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 The Port Austin State Bank
What are The Port Austin State Bank's total assets?
As of the Q2 2026 filing, The Port Austin State Bank reported total assets of $67.8 million in its FFIEC call report.
Where is The Port Austin State Bank headquartered?
It is headquartered in Port Austin, MI, United States.
When was The Port Austin State Bank founded?
It was established in 1884, per the FDIC institution directory.
Is The Port Austin State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14999). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Port Austin State Bank?
The Port Austin State Bank's primary federal regulator is the FDIC.
How many branches does The Port Austin State Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Port Austin State Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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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