Advertisement
Bay Port State Bank
Bay Port, MI · FDIC Certificate #15585 · Chartered 03/0
Total assets
$153.37M
Total deposits
$136.07M
Total equity
$16.52M
Net loans
$130.34M
Branches (offices)
4
Net income (YTD)
$1.02M
Rank: #3,282 of 4,213 U.S. banks by assets · #59 of 72 in Michigan. Assets changed 2.7% and deposits 1.9% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.34% |
| Return on equity | 12.63% |
| Net interest margin (YTD) | 4.91% |
| Equity to assets | 10.77% |
| Tier 1 leverage ratio | 10.89% |
| Uninsured deposits (share of deposits) | 10.6% |
| Noncurrent loans (share of loans) | 0.65% |
| Net charge-offs (share of loans) | 0.18% |
| Loans to deposits | 95.8% |
| Real estate loans (share of loans) | 72.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $94.86M | 72.8% | |
| Commercial & industrial | $12.94M | 9.9% | |
| Consumer / individual | $2.94M | 2.3% | |
| Construction & development | $2.23M | 1.7% | |
| Agricultural | $21.58M | 16.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $145.18M | $134.40M | $369.00K | $10.37M |
| Jun 2023 | $141.46M | $129.19M | $847.00K | $11.62M |
| Jun 2024 | $146.32M | $132.02M | $814.00K | $13.16M |
| Jun 2025 | $149.34M | $133.53M | $931.00K | $14.84M |
| Jun 2026 | $153.37M | $136.07M | $1.02M | $16.52M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Michigan | $136.07M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $136.07M.
Similar-sized banks
Priority Bank ($153.40M) · American Heritage Bank ($153.23M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement