The Port Austin 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: Yield on loans edged up 0.15 percentage points between Q2 2026 and Q3 2026, to 5.52%. Within Michigan, The Port Austin State Bank is 24th of 72 on net interest margin, 4.38% as of Q3 2026, above the middle of the field. The Port Austin State Bank reported 4.38% on net interest margin for Q3 2026, 0.49 points above the 3.89% median for banks in the < $100M asset tier; the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 5.15% |
| Yield on loans | 5.52% |
| Yield on securities | 3.88% |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 0.92% |
| Cost of interest-bearing deposits | 1.38% |
| Cost of interest-bearing liabilities | 1.39% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 4.38% |
| Yield to cost spread | 3.76% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $640K |
| Total interest expense | $128K |
| Interest expense on deposits | $126K |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 4.09% | 0.55% | 3.61% | 4.44% | 2.35% |
| Q1 2024 | 4.30% | 0.67% | 3.69% | 4.51% | 3.19% |
| Q2 2024 | 4.50% | 0.93% | 3.66% | 4.73% | 3.30% |
| Q3 2024 | 4.72% | 1.04% | 3.81% | 4.86% | 3.39% |
| Q4 2024 | 4.75% | 1.09% | 3.78% | 4.97% | 3.72% |
| Q1 2025 | 4.68% | 1.08% | 3.74% | 4.93% | 3.96% |
| Q2 2025 | 4.98% | 1.07% | 4.04% | 5.16% | 4.07% |
| Q3 2025 | 5.05% | 1.07% | 4.13% | 5.24% | 4.17% |
| Q4 2025 | 5.10% | 1.01% | 4.25% | 5.28% | 4.09% |
| Q1 2026 | 5.00% | 0.89% | 4.23% | 5.25% | 3.88% |
| Q2 2026 | 5.11% | 0.91% | 4.32% | 5.37% | 4.03% |
| Q3 2026 | 5.15% | 0.92% | 4.38% | 5.52% | 3.88% |
The Port Austin 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 The Port Austin 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 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)