Bay Port State Bank

BankBay Port, Michigan
https://www.bayportstatebank.com

Total Assets

$153.3M

Total Deposits

$136.9M

Branches

4

Established

1938

TFS Health Grade

$
D+

68.8 / 100

Below average financial health

How we grade

Bay Port State Bank is a bank headquartered in Bay Port, Michigan, established in 1938. With $153.3M in total assets and 4 branch locations, it has a TFS Financial Health Grade of D+ (68.8/100).

Capital & Safety

Tier 1 Capital Ratio
10.23%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
1.05%

Profitability

Return on Assets (ROA)
1.28%(1%)
Return on Equity (ROE)
13.07%(10%)
Net Interest Margin
4.89%
Efficiency Ratio
62.37%(60%)

Lending & Liquidity

Total Loans
$128.3M
Loan-to-Deposit Ratio
92.28%
Net Charge-Off Ratio
0.00%

Growth

Asset Growth (YoY)
+2.69%
Deposit Growth (YoY)
+1.67%
Net Income
$1.9M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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