BlastPoint's Banking Scorecard
The Port Austin State Bank
Designations: ✓ Community bank
Port Austin, MI
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 7 in MI.
- Deposits -0.0% year over year ($54.6M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.83%.
- Efficiency ratio 54.41% vs a 119.40% peer average.
- Loan-to-deposit ratio 83.58% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Port Austin State Bank has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + ROA 0.83% above tier average
- + Net Interest Margin 0.39% above tier average
- + Efficiency Ratio 64.98% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 1.35% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$67.8M
+0.8% YoY
-0.9% QoQ
|
+$5.3M |
$62.4M
-0.0% YoY
|
$1.0B
+6.5% YoY
|
$6.3B
+7.7% YoY
|
54% |
| Total Loans ? |
$45.6M
+3.6% YoY
+3.1% QoQ
|
+$10.7M |
$34.9M
-0.6% YoY
|
$767.2M
+9.2% YoY
|
$3.2B
+9.4% YoY
|
70% |
| Total Deposits ? |
$54.6M
-0.0% YoY
-1.5% QoQ
|
+$2.9M |
$51.6M
-0.2% YoY
|
$806.0M
+5.9% YoY
|
$4.9B
+7.3% YoY
|
52% |
| Return on Assets ? |
1.83%
+7.4% YoY
+4.4% QoQ
|
+0.83% |
1.00%
+3.5% YoY
|
1.18%
+20.1% YoY
|
1.30%
+12.1% YoY
|
Top 14.6% in tier |
| Net Interest Margin ? |
4.31%
+9.5% YoY
+1.3% QoQ
|
+0.39% |
3.91%
+2.3% YoY
|
4.06%
+4.7% YoY
|
3.95%
+4.9% YoY
|
66% |
| Efficiency Ratio ? |
54.41%
+1.4% YoY
-2.8% QoQ
|
-64.98% |
119.40%
+49.6% YoY
|
65.90%
-5.4% YoY
|
70.05%
+2.5% YoY
|
84% |
| Delinquency Rate ? | 0.00% | -1.48% |
1.48%
+31.8% YoY
|
0.85%
+32.2% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
83.58%
+3.6% YoY
+4.6% QoQ
|
+9.37% |
74.21%
+12.6% YoY
|
80.02%
+3.0% YoY
|
79.03%
+2.3% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? |
32.66%
+8.0% YoY
-1.4% QoQ
|
+9.17% |
23.49%
+0.6% YoY
|
25.55%
-0.4% YoY
|
21.98%
-0.6% YoY
|
82% |
| Nonperforming Asset Ratio ? | 0.00% | -0.84% |
0.84%
+23.0% YoY
|
0.65%
+27.6% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
18.44%
+4.7% YoY
+1.1% QoQ
|
-8.68% |
27.13%
+3.0% YoY
|
20.80%
-0.9% YoY
|
17.09%
+0.8% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.03%
-0.8% YoY
+124.2% QoQ
|
-1.35% |
1.38%
+6.3% YoY
|
0.38%
+3.3% YoY
|
0.66%
+5.2% YoY
|
Bottom 9.7% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
32.7%
+2.4pp YoY -0.4pp QoQ |
+8.0pp | 24.6% | 25.9% | 22.2% | 80% |
| Brokered Deposits | n/a | n/a | 9.8% | 12.3% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
2.6%
-1.2pp YoY +0.2pp QoQ |
-10.8pp | 13.4% | 12.8% | 12.5% | 8% |
| CRE | n/a | n/a | 25.2% | 45.9% | 41.4% | n/a |
| 1-4 Family |
58.3%
+2.8pp YoY -0.4pp QoQ |
+23.4pp | 35.0% | 33.6% | 31.3% | 80% |
| Consumer |
3.8%
-0.6pp YoY -0.6pp QoQ |
-3.9pp | 7.7% | 4.6% | 5.0% | 40% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 26.9% | 19.7% | n/a |
| Leverage Ratio |
18.4%
+0.8pp YoY +0.2pp QoQ |
+0.7pp | 17.7% | 12.3% | 12.6% | 82% |
| Total Capital Ratio | n/a | n/a | 39.7% | 27.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
9
+1 (+12.5%) YoY 0 QoQ |
-3 | 12 | 134 | 482 | 36% |
| Assets per Employee ($) |
$7.5M
-10.4% YoY -0.9% QoQ |
+$1.3M | $6.2M | $6.8M | $8.8M | 73% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 9 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.2% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 0.8% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 6.79x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.0%
0.0pp YoY +0.4pp QoQ |
+3.6pp | 6.4% | 11.7% | 11.6% | 61% |
| Cost of Funds (YTD) |
0.8%
-0.2pp YoY 0.0pp QoQ |
-0.6pp | 1.4% | 1.5% | 1.7% | 16% |
| Net Income ($, YTD) |
$616,000
+5.5% YoY — QoQ |
+$298K | $317,817 | $7.3M | $40.4M | 84% |
Get Full Access to The Port Austin State Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.