The Port Austin State Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Cash and balances due from depository institutions climbed 48.5% in Q3 2026, from $2.7M to $4.0M. It was the largest change from Q2 2026 among the key lines here. Within Michigan, The Port Austin State Bank is 39th of 72 on loan-to-deposit ratio, 83.04% as of Q3 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The Port Austin State Bank sits 15.42 points higher, at 83.04% (Q3 2026); the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $19.8M |
| Fed funds sold and reverse repos | $2.4M |
| Fed funds sold and reverse repos to assets | 3.46% |
Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $231K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.33% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 83.04% |
| Net loans and leases to deposits | 82.46% |
| Loans and leases to core deposits | 86.72% |
| Core deposits to total deposits | 95.76% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q4 2023 | 76.44% | 97.01% | $0 | $334K |
| Q1 2024 | 79.71% | 95.97% | $0 | $301K |
| Q2 2024 | 79.32% | 94.93% | $0 | $301K |
| Q3 2024 | 75.64% | 95.03% | $0 | $301K |
| Q4 2024 | 74.98% | 94.33% | $0 | $301K |
| Q1 2025 | 75.30% | 94.56% | $0 | $267K |
| Q2 2025 | 81.22% | 93.74% | $0 | $267K |
| Q3 2025 | 82.24% | 94.97% | $9K | $267K |
| Q4 2025 | 83.49% | 96.03% | $0 | $267K |
| Q1 2026 | 80.49% | 94.96% | $0 | $231K |
| Q2 2026 | 84.18% | 94.96% | $0 | $231K |
| Q3 2026 | 83.04% | 95.76% | $0 | $231K |
The Port Austin State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Port Austin State Bank, freeSource: Call Report Schedules RC and RC-M, 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 The Port Austin State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14999) · FFIEC NIC profile (RSSD 779641)