Bay Port State Bank
Bay Port, MI
IDRSSD: 961446
Total Assets
$153.28M
Latest filing
Total Deposits
$136.90M
Latest filing
Net Interest Margin
5.04%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Bay Port State Bank
9840 Main St
Bay Port, MI 48720
Full Service - Brick and Mortar
Updated 01/30/2026Established 03/01/1938FDIC Certificate 9872
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Bay Port State Bank (Main) | 9840 Main St | Bay Port, MI |
| PIGEON BRANCH | 1 S Caseville Rd | Pigeon, MI |
| BAD AXE BRANCH | 796 N Van Dyke Rd | Bad Axe, MI |
| SEBEWAING BRANCH | 668 Unionville Rd | Sebewaing, MI |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 03/01/1938 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 48720 |
| State and County Number | 26063 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 32 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 03/03/1938 |
| Primary Insurance Agency | DIF |
| Website | https://www.bayportstatebank.com |
| Data Updated | 01/30/2026 |
| CERT | 15585 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $153.28M |
| Total Deposits | $136.90M |
| Total Liabilities | $137.52M |
| Total Equity Capital | $15.76M |
| Net Income | $490.00k |
| Net Loans and Leases | $126.32M |
| Assets Per Employee ($Millions) | $4.79M |
| Bank Premises and Fixed Assets | $2.05M |
| Cash and Balances due from Depository Institutions | $5.92M |
| Deposits Held in Domestic Offices | $136.90M |
Key Performance Ratios
| Return on Assets (ROA) | 1.29% |
| Return on Equity (ROE) | 12.63% |
| Net Interest Margin | 5.04% |
| Efficiency Ratio | 60.73% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.33% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.284% |
| Earning Assets to total Assets | 94.1% |
Income and Expense
| Total Interest Income | $2.18M |
| Total Noninterest Income | $83.00k |
| Total Interest Expense | $365.00k |
| Total Noninterest Expense | $1.15M |
| Net Interest Income | $1.81M |
| Pre-tax Net Operating Income | $620.00k |
| Provision for Credit Losses | $125.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $5.20M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $623.00k |
| Total Liabilities and Capital | $153.28M |
Securities
| Securities | $11.18M |
| Available-for-sale debt securities | $11.18M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Bay Port State Bank?
$153.28M as of the latest filing.
How much are Bay Port State Bank's total deposits?
$136.90M in total deposits.
Where is Bay Port State Bank located?
Bay Port, MI.
What is the Net Interest Margin?
5.04%.
How many domestic offices does it operate?
4.
When was it established?
03/01/1938.
What is the Return on Assets (ROA)?
1.29%.
How much are total loans and leases?
$126.32M (latest filing).
What is the total interest income (latest filing)?
$2.18M.