B
The Port Austin State Bank
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The Port Austin State Bank
Port Austin, MI
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Rating B
Asset Quality Index 9.00
Capitalization Index 10.00
Liquidity Index 2.90
Profitability Index 6.70
Stability Index 6.30
Company Info The Port Austin State Bank
Port Austin, MI
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FDIC Number 14999
Phone Number (989) 738-5235
Website www.portaustinbank.com
Asset Quality The Port Austin State Bank
Port Austin, MI
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1-Year Asset Growth -1.27%
5-Year Asset Growth 6.39%
5-Year Charge-Offs to Average Loans 0.04%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.00%
Non-Performing Loans to Loans 0.00%
Balance Sheet The Port Austin State Bank
Port Austin, MI
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Total Assets 67.21M
Total Deposits 54.60M
Capital and Reserves The Port Austin State Bank
Port Austin, MI
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Capital 11.95M
Leverage Ratio 17.61
Loan Loss Reserves to Loans 0.70%
Risk-Based Capital Ratio --
Liquidity The Port Austin State Bank
Port Austin, MI
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Hot Money Ratio 17.08%
Liquidity Ratio 34.74%
Profitability The Port Austin State Bank
Port Austin, MI
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5-Year Return on Average Assets 1.28%
Net Income 584.00K
Net Interest Spread 3.88%
Operating Profit to Average Assets 1.71%
Overhead Efficiency Ratio 53.65%
Return on Assets 1.71%
Return on Equity 9.99%