BlastPoint's Banking Scorecard
The Port Austin State Bank
Designations: ✓ Community bank
Port Austin, MI
The Port Austin State Bank has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.37% below tier average
- + Nonperforming Asset Ratio 0.79% below tier average
- + ROA 0.92% above tier average
- + Net Interest Margin 0.39% above tier average
- + Efficiency Ratio 32.36% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.65% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$68.4M
-1.0% YoY
+3.7% QoQ
|
+$6.2M |
$62.2M
-0.6% YoY
|
$993.6M
+8.4% YoY
|
$6.2B
+9.1% YoY
|
54% |
| Total Loans ? |
$44.3M
+4.4% YoY
+0.6% QoQ
|
+$10.0M |
$34.2M
-1.4% YoY
|
$752.3M
+12.4% YoY
|
$3.2B
+10.8% YoY
|
68% |
| Total Deposits ? |
$55.4M
-2.3% YoY
+4.4% QoQ
|
+$3.6M |
$51.7M
-0.7% YoY
|
$797.0M
+7.4% YoY
|
$4.8B
+8.2% YoY
|
53% |
| Return on Assets ? |
1.75%
+3.9% YoY
-0.3% QoQ
|
+0.92% |
0.84%
-2.3% YoY
|
1.15%
+25.2% YoY
|
1.23%
+13.4% YoY
|
Top 14.8% in tier |
| Net Interest Margin ? |
4.25%
+11.9% YoY
+3.1% QoQ
|
+0.39% |
3.86%
+2.8% YoY
|
3.99%
+5.8% YoY
|
3.89%
+5.7% YoY
|
67% |
| Efficiency Ratio ? |
55.99%
+6.1% YoY
+4.3% QoQ
|
-32.36% |
88.34%
+0.3% YoY
|
66.95%
-6.2% YoY
|
66.95%
-4.1% YoY
|
83% |
| Delinquency Rate ? | 0.00% | -1.37% |
1.37%
+33.8% YoY
|
0.77%
+21.7% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
79.90%
+6.9% YoY
-3.6% QoQ
|
+15.69% |
64.22%
-0.7% YoY
|
78.66%
+4.9% YoY
|
76.70%
+0.9% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
33.11%
+9.1% YoY
+13.2% QoQ
|
+9.39% |
23.71%
+0.3% YoY
|
24.69%
-2.1% YoY
|
22.01%
-1.2% YoY
|
81% |
| Nonperforming Asset Ratio ? | 0.00% | -0.79% |
0.79%
+28.2% YoY
|
0.58%
+27.6% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
18.24%
+7.8% YoY
+1.5% QoQ
|
-8.44% |
26.68%
+2.0% YoY
|
20.91%
+0.5% YoY
|
17.06%
+0.8% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.01%
-24.3% YoY
-79.3% QoQ
|
-0.65% |
0.67%
+1.9% YoY
|
0.19%
+5.8% YoY
|
0.32%
+4.1% YoY
|
Bottom 7.9% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.