The Port Austin State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Port Austin State Bank of Port Austin, MI against its peer group of 536 similarly-sized US banks as of Q3 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 | 2.09% | 0.82% | +1.27% | 88th top |
| ROAE | 11.65% | 4.81% | +6.84% | 75th top |
| Net Interest Margin | 4.38% | 3.95% | +0.43% | 73rd above |
| Efficiency Ratio | 49.08% | 75.77% | -26.69% | 78th top |
| PPNR / Avg Assets | 2.09% | — | — | 75th top |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.15% | 5.44% | -0.29% | 55th above |
| Cost of Funds | 0.92% | 1.71% | -0.79% | 72nd above |
| Net Interest Spread | 3.76% | — | — | 72nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.40% | -1.40% | 78th top |
| NPA / Total Assets | 0.00% | — | — | 81st top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.11% | -0.11% | 47th below |
| ACL / Total Loans | 0.70% | — | — | 16th bottom |
| Texas Ratio | 0.00% | 8.94% | -8.94% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 18.30% | 14.21% | +4.09% | 91st top |
| Equity / Assets | 18.09% | 13.16% | +4.93% | 91st top |
| TCE / Tangible Assets | 18.09% | — | — | 91st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.04% | 69.13% | +13.91% | 22nd bottom |
| Core Deposit Ratio | 95.76% | 88.78% | +6.98% | 81st top |
| Wholesale Funding Ratio | 0.33% | — | — | 100th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.91% | — | — | 59th above |
| Loan Growth (Y/Y) | 3.77% | — | — | 59th above |
| Deposit Growth (Y/Y) | 2.76% | — | — | 59th above |
See The Port Austin State Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Port Austin 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 The Port Austin State Bank profile, how to read a UBPR, or how this data updates.