BlastPoint's Banking Scorecard

The Port Austin State Bank

under $100M Specialty: Other MI FDIC cert 14999

Designations: ✓ Community bank

Port Austin, MI

537 banks in the under $100M peer group nationally 8 in MI

The Port Austin State Bank has 5 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 1.36% below tier average
+ Nonperforming Asset Ratio 0.77% below tier average
+ ROA 0.90% above tier average
+ Net Interest Margin 0.38% above tier average
+ Efficiency Ratio 31.64% below tier average

Key Concerns

Areas that may need attention

- Non-Interest Income / Assets 0.66% below tier average

Get updates when The Port Austin State Bank releases new data →

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	+$6.1M	$62.3M -0.5% YoY	$993.6M +7.1% YoY	$6.2B +9.0% YoY	54%
Total Loans ?	$44.3M +4.4% YoY +0.6% QoQ	+$10.0M	$34.3M -1.5% YoY	$752.3M +11.0% YoY	$3.2B +10.7% YoY	68%
Total Deposits ?	$55.4M -2.3% YoY +4.4% QoQ	+$3.6M	$51.8M -0.6% YoY	$797.0M +6.2% YoY	$4.8B +8.0% YoY	53%
Return on Assets ?	1.75% +3.9% YoY -0.3% QoQ	+0.90%	0.86% -3.6% YoY	1.15% +24.5% YoY	1.24% +13.1% YoY	Top 14.9% in tier
Net Interest Margin ?	4.25% +11.9% YoY +3.1% QoQ	+0.38%	3.87% +2.7% YoY	3.99% +5.7% YoY	3.89% +5.7% YoY	67%
Efficiency Ratio ?	55.99% +6.1% YoY +4.3% QoQ	-31.64%	87.63% +2.3% YoY	66.95% -6.0% YoY	66.84% -3.8% YoY	83%
Delinquency Rate ?	0.00%	-1.36%	1.36% +33.7% YoY	0.77% +25.0% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	79.90% +6.9% YoY -3.6% QoQ	+15.80%	64.11% -0.9% YoY	78.66% +4.3% YoY	76.69% +0.9% YoY	27%
Non-Interest-Bearing Deposit Share ?	33.11% +9.1% YoY +13.2% QoQ	+9.32%	23.79% +0.5% YoY	24.69% -2.1% YoY	22.01% -1.1% YoY	81%
Nonperforming Asset Ratio ?	0.00%	-0.77%	0.77% +28.7% YoY	0.58% +28.9% YoY	0.66% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	18.24% +7.8% YoY +1.5% QoQ	-8.53%	26.77% +2.0% YoY	20.91% -0.1% YoY	17.06% +0.8% YoY	62%
Non-Interest Income / Assets ?	0.01% -24.3% YoY -79.3% QoQ	-0.66%	0.67% +1.6% YoY	0.19% +5.0% YoY	0.32% +4.0% YoY	Bottom 8.0% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 537 peers in under $100M

Top Strengths (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.36%

#1 of 517 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.77%

#1 of 537 Top 0.1% in under $100M

Return on Assets

profitability

Value: 1.75%

Peer Median: 0.86%

#81 of 537 Top 14.9% in under $100M

Efficiency Ratio

profitability

Value: 55.99%

Peer Median: 87.63%

#91 of 537 Top 16.8% in under $100M

102

Non-Interest-Bearing Deposit Share

funding

Value: 33.11%

Peer Median: 23.79%

#102 of 537 Top 18.8% in under $100M

Top Weaknesses (1 metrics)

495

Non-Interest Income / Assets

revenue_mix

Value: 0.01%

Peer Median: 0.67%

#495 of 537 Bottom 8.0% in under $100M