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The Port Austin State Bank
Port Austin, MI · FDIC Certificate #14999 · Chartered 01/0
Total assets
$67.75M
Total deposits
$54.57M
Total equity
$12.50M
Net loans
$45.61M
Branches (offices)
1
Net income (YTD)
$616.00K
Rank: #3,919 of 4,213 U.S. banks by assets · #71 of 72 in Michigan. Assets changed 0.8% and deposits -0.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.83% |
| Return on equity | 9.97% |
| Net interest margin (YTD) | 4.31% |
| Equity to assets | 18.45% |
| Tier 1 leverage ratio | 18.44% |
| Uninsured deposits (share of deposits) | 7.9% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 83.6% |
| Real estate loans (share of loans) | 85.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $39.18M | 85.9% | |
| Commercial & industrial | $1.17M | 2.6% | |
| Consumer / individual | $1.74M | 3.8% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $2.32M | 5.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $72.27M | $61.75M | $311.00K | $9.91M |
| Jun 2023 | $68.74M | $57.80M | $464.00K | $10.33M |
| Jun 2024 | $68.07M | $56.30M | $535.00K | $11.14M |
| Jun 2025 | $67.21M | $54.60M | $584.00K | $11.95M |
| Jun 2026 | $67.75M | $54.57M | $616.00K | $12.50M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Michigan | $54.57M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $54.57M.
Similar-sized banks
First Federal Bank Littlefield, Texas ($67.89M) · The Lauderdale County Bank ($67.52M)
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.
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