BlastPoint

BlastPoint's Banking Scorecard

Bay Port State Bank

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

Bay Port, MI

4 branches across MI

2664 banks in the $100M-$1B peer group nationally 46 in MI
View $100M-$1B leaderboard (MI) →

Bay Port State Bank has 3 strengths but faces 4 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 33.5% in tier
  • + Efficiency Ratio 0.93% below tier average
  • + Delinquency Rate 0.37% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 12.6% in tier
  • - Deposit Outflow: Bottom 35.6% in tier
  • - Flatlined Growth: Bottom 38.5% in tier
  • - Liquidity Strain: Bottom 45.7% in tier
Get updates when Bay Port 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 ? $150.1M
-1.1% YoY -2.1% QoQ
-$236.0M $386.1M
+0.5% YoY
$993.6M
+8.4% YoY
$6.2B
+9.1% YoY
Bottom 14.3% in tier
Total Loans ? $127.6M
+7.3% YoY +1.0% QoQ
-$128.2M $255.7M
+1.1% YoY
$752.3M
+12.4% YoY
$3.2B
+10.8% YoY
28%
Total Deposits ? $133.3M
-2.4% YoY -2.6% QoQ
-$194.6M $328.0M
+0.1% YoY
$797.0M
+7.4% YoY
$4.8B
+8.2% YoY
16%
Return on Assets ? 1.24%
+7.2% YoY -3.4% QoQ
-0.03% 1.27%
+12.9% YoY
1.15%
+25.2% YoY
1.23%
+13.4% YoY
52%
Net Interest Margin ? 4.89%
+5.1% YoY -0.0% QoQ
+0.96% 3.93%
+6.0% YoY
3.99%
+5.8% YoY
3.89%
+5.7% YoY
Top 9.0% in tier
Efficiency Ratio ? 64.36%
-2.6% YoY +3.2% QoQ
-0.93% 65.29%
-4.5% YoY
66.95%
-6.2% YoY
66.95%
-4.1% YoY
47%
Delinquency Rate ? 0.52%
-51.8% QoQ
-0.37% 0.89%
+18.8% YoY
0.77%
+21.7% YoY
0.95%
+18.8% YoY
45%
Loan-to-Deposit Ratio ? 95.67%
+10.0% YoY +3.7% QoQ
+19.03% 76.64%
+0.8% YoY
78.66%
+4.9% YoY
76.70%
+0.9% YoY
Bottom 14.6% in tier
Non-Interest-Bearing Deposit Share ? 36.59%
-2.3% YoY -3.6% QoQ
+14.57% 22.02%
-1.0% YoY
24.69%
-2.1% YoY
22.01%
-1.2% YoY
Top 8.0% in tier
Nonperforming Asset Ratio ? 0.44%
-50.3% QoQ
-0.20% 0.64%
+19.7% YoY
0.58%
+27.6% YoY
0.67%
+19.3% YoY
41%
Tier 1 Capital Ratio ? 10.55%
+10.3% YoY +3.2% QoQ
-5.28% 15.83%
+1.5% YoY
20.91%
+0.5% YoY
17.06%
+0.8% YoY
17%
Non-Interest Income / Assets ? 0.06%
-2.2% YoY -76.3% QoQ
-0.22% 0.28%
+9.3% YoY
0.19%
+5.8% YoY
0.32%
+4.1% YoY
25%

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
#92 of 272 • Top 33.5% 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: 36.59%
(Tier: 22.02%, National: 22.01%)
better than tier avg
Net Interest Margin: 4.89%
(Tier: 3.93%, National: 3.89%)
better than tier avg
272 of 272 Community banks match · 369 nationally
→ Stable -14 banks QoQ

Concerns (4)

Capital Thin

risk
#85 of 666 • Bottom 12.6% 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: 10.55%
(Tier: 15.83%, National: 17.06%)
worse than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank improving

Deposit Outflow

decline
#181 of 506 • Bottom 35.6% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally
→ Stable -8 banks QoQ

Flatlined Growth

risk
#198 of 512 • Bottom 38.5% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.24%
(Tier: 1.27%, National: 1.23%)
worse than tier avg
512 of 512 Community banks match · 687 nationally
→ Stable +32 banks QoQ

Liquidity Strain

risk
#295 of 643 • Bottom 45.7% 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: 95.67%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
643 of 643 Community banks match · 1013 nationally
→ Stable -50 banks QoQ | 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 2664 peers in $100M-$1B

Top Strengths (2 metrics)

214
Non-Interest-Bearing Deposit Share
funding
Value: 36.59%
Peer Median: 22.02%
#214 of 2664 Top 8.0% in $100M-$1B
242
Net Interest Margin
profitability
Value: 4.89%
Peer Median: 3.93%
#242 of 2664 Top 9.0% in $100M-$1B

Top Weaknesses (4 metrics)

2285
Total Assets
size
Value: $150.06M
Peer Median: $386.08M
#2285 of 2664 Bottom 14.3% in $100M-$1B
2276
Loan-to-Deposit Ratio
liquidity
Value: 95.67%
Peer Median: 76.64%
#2276 of 2664 Bottom 14.6% in $100M-$1B
2228
Total Deposits
size
Value: $133.32M
Peer Median: $327.97M
#2228 of 2664 Bottom 16.4% in $100M-$1B
2215
Tier 1 Capital Ratio
capital
Value: 10.55%
Peer Median: 15.83%
#2215 of 2664 Bottom 16.9% in $100M-$1B
Powered by BlastPoint © 2026