BlastPoint's Banking Scorecard
The Port Austin State Bank
Designations: ✓ Community bank
Port Austin, MI
The Port Austin State Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.50% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$65.9M
-5.1% YoY
-2.9% QoQ
|
-$151.6M |
$217.5M
+2.3% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
Bottom 12% in tier |
| Total Loans ? |
$44.0M
+2.9% YoY
-2.0% QoQ
|
-$95.2M |
$139.2M
+2.8% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
17% |
| Total Deposits ? |
$53.0M
-7.6% YoY
-3.5% QoQ
|
-$130.6M |
$183.7M
+1.8% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 12% in tier |
| Return on Assets ? |
1.76%
+6.7% YoY
+0.0% QoQ
|
+0.67% |
1.08%
+14.7% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
84% |
| Net Interest Margin ? |
4.12%
+10.1% YoY
+1.7% QoQ
|
+0.27% |
3.85%
+6.6% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
64% |
| Efficiency Ratio ? |
53.67%
+0.2% YoY
+1.9% QoQ
|
-14.05% |
67.73%
-4.8% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
84% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
82.88%
+11.3% YoY
+1.5% QoQ
|
+8.35% |
74.53%
+0.5% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
29.25%
-1.1% YoY
-9.4% QoQ
|
+6.86% |
22.39%
-1.3% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
77% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.37%
-0.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.06%
-7.8% YoY
+31.1% QoQ
|
-0.50% |
0.56%
+0.3% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 4% in tier |
Signature Analysis
Strengths (2)
Delinquency Rate
metricDelinquency Rate is in the top decile (lowest) of tier peers. Past-due loans as a share of the book are materially cleaner than peers - underwriting and portfolio management are working.
Nonperforming Asset Ratio
metricNon-Performing Asset Ratio is in the top decile (lowest) of tier peers. Problem credits are materially cleaner than similarly-sized banks - earnings less exposed to credit-cost shocks.
Concerns (1)
Non-Interest Income / Assets
metricNon-Interest Income as a share of assets is in the bottom decile of tier peers. Revenue mix is heavily reliant on spread income - earnings more exposed to rate cycle inflections.
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%