The Port Austin 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 Q3 2026 was in Loan-to-deposit ratio: 1.14 percentage points lower than in Q2 2026, at 83.04%. On return on assets, The Port Austin State Bank ranks 7th highest among the 72 banks headquartered in Michigan, at 2.09% (Q3 2026). The Port Austin State Bank's return on assets of 2.09% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 1.11 points (Q3 2026); the peer median is as of Q2 2026.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 18.30% |
| Equity capital to assets | 18.09% |
| Tangible equity to tangible assets | 18.09% |
Asset quality
| Line item | Q3 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.70% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 2.09% |
| Return on equity | 11.65% |
| Net interest margin | 4.38% |
| Efficiency ratio | 49.08% |
| Yield on earning assets | 5.15% |
| Cost of funds | 0.92% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 83.04% |
| Core deposits to total deposits | 95.76% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 80.86% |
| Securities to assets | 22.62% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q4 2023 | 16.18% | 1.06% | 3.61% | 0.00% | 0.69% |
| Q1 2024 | 16.82% | 1.69% | 3.69% | 0.00% | 0.02% |
| Q2 2024 | 16.98% | 1.55% | 3.66% | 0.00% | -0.01% |
| Q3 2024 | 16.49% | 1.87% | 3.81% | 0.00% | 0.00% |
| Q4 2024 | 16.57% | 1.49% | 3.78% | 0.00% | -0.01% |
| Q1 2025 | 16.91% | 1.69% | 3.74% | 0.00% | 0.02% |
| Q2 2025 | 17.61% | 1.73% | 4.04% | 0.00% | 0.00% |
| Q3 2025 | 17.75% | 1.86% | 4.13% | 0.00% | 0.00% |
| Q4 2025 | 17.97% | 1.73% | 4.25% | 0.00% | -0.01% |
| Q1 2026 | 18.24% | 1.74% | 4.23% | 0.00% | 0.00% |
| Q2 2026 | 18.44% | 1.89% | 4.32% | 0.00% | 0.00% |
| Q3 2026 | 18.30% | 2.09% | 4.38% | 0.00% | 0.00% |
The Port Austin State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Port Austin 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 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)