BlastPoint's Banking Scorecard
Bay Port State Bank
Micro
Specialty: Agricultural
MI
FDIC cert 15585
Designations: ✓ Community bank
Bay Port, MI
2498
banks in Micro tier nationally
41 in MI
View Micro leaderboard (MI) →
Bay Port State Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 15.57% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$153.3M
+2.7% YoY
+2.1% QoQ
|
-$64.2M |
$217.5M
+2.3% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
39% |
| Total Loans ? |
$126.3M
+8.7% YoY
-1.6% QoQ
|
-$12.9M |
$139.2M
+2.8% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
52% |
| Total Deposits ? |
$136.9M
+1.7% YoY
+2.1% QoQ
|
-$46.8M |
$183.7M
+1.8% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
41% |
| Return on Assets ? |
1.28%
+12.6% YoY
+0.0% QoQ
|
+0.20% |
1.08%
+14.7% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
64% |
| Net Interest Margin ? |
4.89%
+5.2% YoY
+1.1% QoQ
|
+1.03% |
3.85%
+6.6% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Top 11% in tier |
| Efficiency Ratio ? |
62.37%
-7.3% YoY
-0.9% QoQ
|
-5.36% |
67.73%
-4.8% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
60% |
| Delinquency Rate ? |
1.07%
+92.0% YoY
+39.1% QoQ
|
+0.43% |
0.64%
+24.4% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
92.28%
+6.9% YoY
-3.6% QoQ
|
+17.75% |
74.53%
+0.5% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
37.97%
-4.1% YoY
+3.4% QoQ
|
+15.57% |
22.39%
-1.3% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
Top 9% in tier |
| Nonperforming Asset Ratio ? |
0.88%
+103.2% YoY
+34.0% QoQ
|
+0.43% |
0.45%
+25.1% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
23% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-8.85% |
8.85%
-3.4% YoY
|
9.37%
-0.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.25%
-1.6% YoY
+25.0% QoQ
|
-0.31% |
0.56%
+0.3% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
32% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 9%
in Micro
Non-Interest-Bearing Deposit Share is in the top decile of tier peers. Cheap (no-cost) funding is a larger share of the deposit base than at peers - structural NIM advantage in rising-rate environments.
Why this stands out
Current:
37.97%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (0)
No concerns identified
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%
Top Strengths
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 37.97% · Tier avg: 22.39%
89
89th pctile
Net Interest Margin
Current: 4.89% · Tier avg: 3.85%
64
64th pctile
Return on Assets
Current: 1.28% · Tier avg: 1.08%
60
60th pctile
Efficiency Ratio
Current: 62.37% · Tier avg: 67.73%
52
52th pctile
Total Loans
Current: $126.3M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
41
41th pctile
Total Deposits
Current: $136.9M · Tier avg: $183.7M
39
39th pctile
Total Assets
Current: $153.3M · Tier avg: $217.5M
32
32th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
27
27th pctile
Delinquency Rate
Current: 1.07% · Tier avg: 0.64%
23
23th pctile
Nonperforming Asset Ratio
Current: 0.88% · Tier avg: 0.45%
19
19th pctile
Loan-to-Deposit Ratio
Current: 92.28% · Tier avg: 74.53%
Top Weaknesses
19
19th pctile
Loan-to-Deposit Ratio
Current: 92.28% · Tier avg: 74.53%
23
23th pctile
Nonperforming Asset Ratio
Current: 0.88% · Tier avg: 0.45%
27
27th pctile
Delinquency Rate
Current: 1.07% · Tier avg: 0.64%
32
32th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
39
39th pctile
Total Assets
Current: $153.3M · Tier avg: $217.5M
41
41th pctile
Total Deposits
Current: $136.9M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Total Loans
Current: $126.3M · Tier avg: $139.2M
60
60th pctile
Efficiency Ratio
Current: 62.37% · Tier avg: 67.73%
64
64th pctile
Return on Assets
Current: 1.28% · Tier avg: 1.08%
89
89th pctile
Net Interest Margin
Current: 4.89% · Tier avg: 3.85%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 37.97% · Tier avg: 22.39%