# BAY PORT STATE BANK
BAY PORT, MI · FDIC certificate 15585 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $153.4M | |
| Deposits | $136.1M | |
| Loans and leases | $132.3M | |
| Total equity | $16.5M | |
| Loans / deposits | 95.79% (p87 of band) | 73.59% |
| Liquid assets / assets | 11.98% (p6 of band) | |
| Uninsured deposits / deposits | 10.58% (p16 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.89% (p38 of band) | 11.76% |
| Unrealized securities loss / equity | -0.31% (p86 of band) | -6.57% |
| AOCI / equity | -0.58% (p41 of band) | |
| ROA (annualized) | 1.34% (p60 of band) | 1.17% |
| Net interest margin | 4.91% (p88 of band) | 3.93% |
| Efficiency ratio | 61.45% (p39 of band) | |
| Noncurrent loans | 0.65% (p61 of band) | 0.36% |
| Net charge-offs (annualized) | 0.16% (p91 of band) | |
| Reserve coverage of noncurrent | 229.12% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 13.51% (p44 of band) | |
| Auto loans | $1.7M (1.29% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.9% | |
| Employees | 33 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 2 | liquid assets <10%, uninsured deposits leaving |  |
| 2012-12 | 0 |  | liquid assets <10%, uninsured deposits leaving |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 1 | liquid assets <10% |  |
| 2013-12 | 0 |  | liquid assets <10% |
| 2014-03 | 1 | liquid assets <10% |  |
| 2014-06 | 3 | loans exceed deposits, uninsured deposits leaving |  |
| 2014-09 | 1 |  | loans exceed deposits, uninsured deposits leaving |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 2 | capital falling |  |
| 2015-09 | 1 |  | liquid assets <10% |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 1 | reserve under noncurrent |  |
| 2016-06 | 2 | liquid assets <10% |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 | uninsured deposits leaving | liquid assets <10% |
| 2017-03 | 2 | liquid assets <10% | reserve under noncurrent |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | uninsured deposits leaving |
| 2017-12 | 0 |  | liquid assets <10% |
| 2018-03 | 1 | liquid assets <10% |  |
| 2018-06 | 2 | loans exceed deposits |  |
| 2018-09 | 1 |  | loans exceed deposits |
| 2018-12 | 1 | capital falling | liquid assets <10% |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 1 | liquid assets <10% |  |
| 2019-09 | 2 | charge-offs p90 |  |
| 2019-12 | 0 |  | liquid assets <10%, charge-offs p90 |
| 2020-03 | 1 | reserve under noncurrent |  |
| 2020-06 | 0 |  | reserve under noncurrent |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | uninsured deposits leaving |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | uninsured deposits leaving |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 0 |  | capital falling |
| 2022-12 | 1 | uninsured deposits leaving |  |
| 2023-03 | 0 |  | uninsured deposits leaving |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | deposits shrinking |  |
| 2023-12 | 0 |  | deposits shrinking |
| 2024-03 | 1 | charge-offs p90 |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | charge-offs p90 |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 2 | charge-offs p90, uninsured deposits leaving |  |
| 2026-06 | 1 |  | uninsured deposits leaving |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-10 [No takers: Bad Axe Theatre, Longshot Lanes fail to sell at auction - Huron Daily Tribune](https://news.google.com/rss/articles/CBMijwFBVV95cUxNUlNfQkQ5NFdJVGpleGdLdVhyTHBpMF9UQXRlZE50blk0LUY3amkzNGlyWC1Eemt2MkFhZXVTa3NWZm9Ya0oxb0pkSnJHS1hqUlhuUEUtWUdvUWpNblNMMUFKSkxzZkZldkRjR0QxelBtUmEzZkh1QjNQMUlJNG83OGZNS0VXb3dHYjlzTzNRcw?oc=5) · Huron Daily Tribune
- 2015-06-15 [Sanilac County Breakfast on the Farm scheduled for July 25 - canr.msu.edu](https://news.google.com/rss/articles/CBMikgFBVV95cUxOUzRWclVIRVF6UTY4b1dicjJXR2tUQTgtenBlMV9MNWpOMmE0SGhIbGVLN210aHpiZF9TMjdKVG1kMG13SEFiWjZjeFlBa0lYdERYMTR2d3NKRVd1MnFSNkJtSi1uY29yY1NERmh2V0hkV01xZTQ1UHhKd0VsdWdpQWJra2U0bEswM3FwSTFlRVZGdw?oc=5) · canr.msu.edu
- 2016-11-15 [Robert Main Obituary (1958 - 2016) - Pigeon, MI - Huron Daily Tribune - Legacy obituary](https://news.google.com/rss/articles/CBMikgFBVV95cUxQUG1QSDVsQVZDT2owWVFiN3J6ZE8zak9Uc2RMVjExbDV1QW5YRkFoOE11ZDNUSmpvdk9sV0lvTmpfZHQ0Q1pfX1F1Nms2QUFqV0M5Z3ZJYnRjS285OGJHTVVqZTBGLXg3Qk5QUnM5ZkRlVVp5dWZURmVjSDF3WjJobHhyaTV2NGVaejhudmpKUl9EQQ?oc=5) · Legacy obituary
- 2023-10-19 [1 Of Michigan's Most Famous Haunted Houses That You Never Heard Of - Thumbwind](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE41QVRxWDhrVm00a1hLN3RhSWNMNFlPMTNiMGpoVldBeUptVU1FVk11b2ktMG9yLUtscmJTaEtrWEZRZkR6V2dmSllfZFloWkZuVmJ4X0VZZVotSnhMMFJoWXRhWnNxVGs?oc=5) · Thumbwind
- 2024-12-13 [Taylor man arrested for attempting to cash fraudulent check in Huron County - Huron Daily Tribune](https://news.google.com/rss/articles/CBMilgFBVV95cUxOTVpRZkxfNEY2OXhONzZPTHB6Ty0zTkxadnp0QkNYZFZMQjdlQXJPUWRoMEdwNHZtc2tXUDM4NVlQWmU2TjNEb05TbDNSdmZRZjJYOWQ5WURMUU56TndxeXhiMWRhcTlCVWZCX2hhMU93WjFJb0JTOXBvdHZhTFVJUmswVmdKQlREZ203WXlDRWFhVWI4Y2c?oc=5) · Huron Daily Tribune
- 2026-05-28 [David "Dave" James Anderson - Legacy obituary](https://news.google.com/rss/articles/CBMiigFBVV95cUxPU19MVTBNbkk5YzdrTTB2N3czMzlOSVRvekZKc2Znd3loU2VkRnlPWXU2OTVvZmZqSWpNdG5mVjZMWDNpRWt4T3JIRVFzY2V5ZklxVzVILUFfUlU3eTEtNHZ2YjhaQlFFbUZ4VzVISzJ1WVZvX2NWMHo4RVJBbGRPc2R2MVRQZEI4Rmc?oc=5) · Legacy obituary
- 2018-07-31 [Ashley Puvalowski named 2018 Huron County Bean Queen - Huron Daily Tribune](https://news.google.com/rss/articles/CBMirwFBVV95cUxQVFplanZZVS1oRGZEMG1WN0doWTNORUE1YWlBcUFMSUlYOXNZblVfRDVXdTFXTkh0dWtGbzNRMDUtelhrQk9nUmdfSlIwREo4dG1KdWpjNlBseFVVUmU2dkg1dk41QlpBbWNoSFBvRjlGQk9LYjBRaTR3SmxtcEl2T3RoQ194U0xueVhvNHNRdTBoN0t6V2xBT2VzZ2lyZFEyQ3pwdENjNEFfeERERWRB?oc=5) · Huron Daily Tribune
- 2023-02-16 [Nellie Dutcher Obituary (1930 - 2023) - Pigeon, MI - Huron Daily Tribune - Legacy obituary](https://news.google.com/rss/articles/CBMilwFBVV95cUxQNTBCRUpFelVfY3NvbmxESnFhcW9vVUQ0bkhyLVI1QnpwU0pDWWtWTGpTUHBITkw3QVZmbDVjN2tvdmoyN3NyUVpzQVFraXZ6anhmeTliS19ycDZHaWJ6MEJSMHVZOVdGczR1U3BLMWVSdWVCQkFFbHd6elYtQ3pvOGt2WkVULTV4MmNiT1kySXhMc3NmR0hN?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15585 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/33.json (key "15585", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide