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Bay Port State Bank

$100M-$1B Specialty: Agricultural MI FDIC cert 15585

Bay Port, MI

4 branches across 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 47 in MI.
  • Deposits +1.9% year over year ($136.1M on the books).
  • Delinquency rate 0.66%.
  • Return on assets 1.34%.
  • Efficiency ratio 61.45% vs a 64.48% peer average.
  • Loan-to-deposit ratio 95.79% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 47 in MI
View $100M-$1B leaderboard (MI) →

Bay Port State Bank has 3 strengths but faces 3 concerns

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

  • + Deposit Franchise: Top 31.3% in tier
  • + Efficiency Ratio 3.03% below tier average
  • + Delinquency Rate 0.26% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 24.8% in tier
  • - Credit Risk Growth: Bottom 26.4% in tier
  • - Capital Thin: Bottom 43.6% in tier
Get updates when Bay Port State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Total Assets ? $153.4M
+2.7% YoY +2.2% QoQ
-$233.2M $386.6M
+1.2% YoY
$1.0B
+6.5% YoY
$6.3B
+7.7% YoY
15%
Total Loans ? $130.3M
+2.5% YoY +2.2% QoQ
-$128.0M $258.3M
+1.7% YoY
$767.2M
+9.2% YoY
$3.2B
+9.4% YoY
29%
Total Deposits ? $136.1M
+1.9% YoY +2.1% QoQ
-$190.7M $326.7M
+0.7% YoY
$806.0M
+5.9% YoY
$4.9B
+7.3% YoY
17%
Return on Assets ? 1.34%
+7.7% YoY +7.8% QoQ
+0.01% 1.32%
+10.8% YoY
1.18%
+20.1% YoY
1.30%
+12.1% YoY
55%
Net Interest Margin ? 4.91%
+3.0% YoY +0.6% QoQ
+0.93% 3.99%
+5.0% YoY
4.06%
+4.7% YoY
3.95%
+4.9% YoY
Top 9.4% in tier
Efficiency Ratio ? 61.45%
-4.1% YoY -4.5% QoQ
-3.03% 64.48%
-3.2% YoY
65.90%
-5.4% YoY
70.05%
+2.5% YoY
53%
Delinquency Rate ? 0.66%
+170.3% YoY +28.2% QoQ
-0.26% 0.92%
+15.7% YoY
0.85%
+32.2% YoY
0.98%
+16.3% YoY
39%
Loan-to-Deposit Ratio ? 95.79%
+0.6% YoY +0.1% QoQ
+17.84% 77.95%
+1.0% YoY
80.02%
+3.0% YoY
79.03%
+2.3% YoY
15%
Non-Interest-Bearing Deposit Share ? 37.13%
+4.3% YoY +1.5% QoQ
+15.10% 22.03%
-0.6% YoY
25.55%
-0.4% YoY
21.98%
-0.6% YoY
Top 6.9% in tier
Nonperforming Asset Ratio ? 0.56%
+169.9% YoY +28.2% QoQ
-0.11% 0.67%
+16.4% YoY
0.65%
+27.6% YoY
0.69%
+15.8% YoY
36%
Tier 1 Capital Ratio ? 10.89%
+10.6% YoY +3.2% QoQ
-5.02% 15.91%
+1.4% YoY
20.80%
-0.9% YoY
17.09%
+0.8% YoY
22%
Non-Interest Income / Assets ? 0.12%
-3.7% YoY +102.3% QoQ
-0.45% 0.57%
+7.6% YoY
0.38%
+3.3% YoY
0.66%
+5.2% YoY
25%

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 37.1%
+1.5pp YoY
+0.5pp QoQ
 +15.0pp 22.1% 25.9% 22.2% 93%
Brokered Deposits n/a n/a 7.9% 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 9.9%
-0.5pp YoY
+0.4pp QoQ
 -1.6pp 11.6% 12.8% 12.5% 52%
CRE 17.3%
-0.8pp YoY
-0.8pp QoQ
 -22.3pp 39.5% 45.9% 41.4% 14%
1-4 Family 26.7%
+1.8pp YoY
-0.1pp QoQ
 -5.9pp 32.6% 33.6% 31.3% 44%
Consumer 2.3%
-0.1pp YoY
0.0pp QoQ
 -1.9pp 4.1% 4.6% 5.0% 51%

Capital

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 26.9% 19.7% n/a
Leverage Ratio 10.9%
+1.0pp YoY
+0.3pp QoQ
 -1.3pp 12.2% 12.3% 12.6% 48%
Total Capital Ratio n/a n/a 19.9% 27.9% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Full-Time Employees 33
+1 (+3.1%) YoY
+1 (+3.1%) QoQ
 -26 58 134 482 31%
Assets per Employee ($) $4.6M
-0.4% YoY
-0.9% QoQ
 -$2.9M $7.5M $6.8M $8.8M 10%
Branch Count 4
0 YoY
0 QoQ
 -1 4 9 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Past Due 90+ Days 0.1%
-0.2pp YoY
+0.1pp QoQ
 -0.3pp 0.3% 0.2% 0.4% 40%
Nonaccrual 0.6%
+0.1pp QoQ
 -0.3pp 0.9% 0.8% 1.0% 58%
Allowance Coverage 2.29x
-58.9% YoY
-19.9% QoQ
 -21.86x 24.15x 6.79x 20.23x 51%
Net Charge-off Rate (YTD) 0.2%
+0.2pp YoY
-0.2pp QoQ
 0.0pp 0.1% 0.1% 0.2% 84%

Profitability

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
ROE 12.6%
-0.4pp YoY
+0.8pp QoQ
 +0.4pp 12.2% 11.7% 11.6% 54%
Cost of Funds (YTD) 1.0%
-0.1pp YoY
0.0pp QoQ
 -0.7pp 1.7% 1.5% 1.7% 10%
Net Income ($, YTD) $1.0M
+9.2% YoY
— QoQ
 -$1.5M $2.6M $7.3M $40.4M 27%

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 (1)

Deposit Franchise

growth
#88 of 278 • Top 31.3% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 37.13%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.91%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (3)

Liquidity Strain

risk
#172 of 691 • Bottom 24.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 95.79%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#248 of 936 • Bottom 26.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Capital Thin

risk
#289 of 661 • Bottom 43.6% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.89%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

183
Non-Interest-Bearing Deposit Share
funding
Value: 37.13%
Peer Median: 22.03%
#183 of 2643 Top 6.9% in $100M-$1B
250
Net Interest Margin
profitability
Value: 4.91%
Peer Median: 3.99%
#250 of 2643 Top 9.4% in $100M-$1B

Top Weaknesses (4 metrics)

2247
Total Assets
size
Value: $153.37M
Peer Median: $386.57M
#2247 of 2643 Bottom 15.0% in $100M-$1B
2243
Loan-to-Deposit Ratio
liquidity
Value: 95.79%
Peer Median: 77.95%
#2243 of 2643 Bottom 15.2% in $100M-$1B
2192
Total Deposits
size
Value: $136.07M
Peer Median: $326.73M
#2192 of 2643 Bottom 17.1% in $100M-$1B
2067
Tier 1 Capital Ratio
capital
Value: 10.89%
Peer Median: 15.91%
#2067 of 2643 Bottom 21.8% in $100M-$1B
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