The Port Austin State Bank
Port Austin, MI
IDRSSD: 779641
Total Assets
$65.89M
Latest filing
Total Deposits
$53.05M
Latest filing
Net Interest Margin
4.38%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The Port Austin State Bank
62 E State St
Port Austin, MI 48467
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1884FDIC Certificate 9401
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| The Port Austin State Bank (Main) | 62 E State St | Port Austin, MI | ||
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 | 01/01/1884 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 48467 |
| State and County Number | 26063 |
| Subchapter S Corporations | Yes |
| 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 | 9 |
| Domestic Offices | 1 |
| 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 | 01/22/1935 |
| Primary Insurance Agency | DIF |
| Website | www.portaustinbank.com |
| Data Updated | 01/30/2026 |
| CERT | 14999 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $65.89M |
| Total Deposits | $53.05M |
| Total Liabilities | $53.67M |
| Total Equity Capital | $12.22M |
| Net Income | $292.00k |
| Net Loans and Leases | $43.97M |
| Assets Per Employee ($Millions) | $7.32M |
| Bank Premises and Fixed Assets | $723.00k |
| Cash and Balances due from Depository Institutions | $1.55M |
| Deposits Held in Domestic Offices | $53.05M |
Key Performance Ratios
| Return on Assets (ROA) | 1.75% |
| Return on Equity (ROE) | 9.57% |
| Net Interest Margin | 4.38% |
| Efficiency Ratio | 56.55% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 18.549% |
| Earning Assets to total Assets | 92.51% |
Income and Expense
| Total Interest Income | $797.00k |
| Total Noninterest Income | $9.00k |
| Total Interest Expense | $134.00k |
| Total Noninterest Expense | $380.00k |
| Net Interest Income | $663.00k |
| Pre-tax Net Operating Income | $292.00k |
| Provision for Credit Losses | $0 |
| 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 | $267.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.30M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $354.00k |
| Total Liabilities and Capital | $65.89M |
Securities
| Securities | $15.59M |
| Available-for-sale debt securities | $15.59M |
| 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 The Port Austin State Bank?
$65.89M as of the latest filing.
How much are The Port Austin State Bank's total deposits?
$53.05M in total deposits.
Where is The Port Austin State Bank located?
Port Austin, MI.
What is the Net Interest Margin?
4.38%.
How many domestic offices does it operate?
1.
When was it established?
01/01/1884.
What is the Return on Assets (ROA)?
1.75%.
How much are total loans and leases?
$43.97M (latest filing).
What is the total interest income (latest filing)?
$797.00k.