Headquartered in Port Austin, Michigan, The Port Austin State Bank is a state-chartered bank with $67.8M in total assets and $54.6M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1884.
Based on its Q2 2026 filing, The Port Austin State Bank scores 95/100, which we describe as very strong. That is higher than 97% of 546 banks with under $100 million in assets. Among 72 banks headquartered in Michigan, it ranks 1st. Its strongest component is capital cushion (100/100; 18.44%), and its lowest is funding & liquidity (77/100; 84% loans-to-deposits, 8% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (95 → 95).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 94 |
| Q3 2024 | 95 |
| Q4 2024 | 95 |
| Q1 2025 | 95 |
| Q2 2025 | 95 |
| Q3 2025 | 95 |
| Q4 2025 | 95 |
| Q1 2026 | 95 |
| Q2 2026 | 95 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 16.98% |
| Q3 2024 | 16.49% |
| Q4 2024 | 16.57% |
| Q1 2025 | 16.91% |
| Q2 2025 | 17.61% |
| Q3 2025 | 17.75% |
| Q4 2025 | 17.97% |
| Q1 2026 | 18.24% |
| Q2 2026 | 18.44% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.60% |
| Q3 2024 | 1.70% |
| Q4 2024 | 1.65% |
| Q1 2025 | 1.69% |
| Q2 2025 | 1.70% |
| Q3 2025 | 1.76% |
| Q4 2025 | 1.76% |
| Q1 2026 | 1.75% |
| Q2 2026 | 1.83% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 95 | $67.8M | 18.44% | 0.00% | 1.83% | 83.6% |
| Q1 2026 | 95 | $68.4M | 18.24% | 0.00% | 1.75% | 79.9% |
| Q4 2025 | 95 | $65.9M | 17.97% | 0.00% | 1.76% | 82.9% |
| Q3 2025 | 95 | $67.8M | 17.75% | 0.00% | 1.76% | 81.6% |
| Q2 2025 | 95 | $67.2M | 17.61% | 0.00% | 1.70% | 80.6% |
| Q1 2025 | 95 | $69.0M | 16.91% | 0.00% | 1.69% | 74.8% |
| Q4 2024 | 95 | $69.4M | 16.57% | 0.00% | 1.65% | 74.4% |
| Q3 2024 | 95 | $70.2M | 16.49% | 0.00% | 1.70% | 75.1% |
| Q2 2024 | 94 | $68.1M | 16.98% | 0.00% | 1.60% | 78.8% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Michigan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| JPMorgan Chase Bank, DearbornBank Dearborn, MI | 94 out of 100, Very strong | $71.5M | 99.6% | 0.00% | vs |
| Homestead Savings BankBank Albion, MI | 68 out of 100, Moderate | $71.6M | 9.4% | 0.24% | vs |
| The First National Bank of WakefieldBank Wakefield, MI | 68 out of 100, Moderate | $52.6M | 10.1% | 0.71% | vs |
| First State Bank of MichiganBank Decatur, MI | 64 out of 100, Moderate | $87.8M | 13.9% | 0.88% | vs |
| Mayville State BankBank Mayville, MI | 63 out of 100, Moderate | $94.6M | 11.7% | 2.09% | vs |
| Huron State BankBank Rogers City, MI | 63 out of 100, Moderate | $95.1M | 12.4% | 2.05% | vs |
Deposit insurance
Is my money safe at The Port Austin State Bank?
Yes. The Port Austin State Bank is an FDIC-insured institution (FDIC certificate #14999). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 7.9% of deposits ($4.3M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 18.44%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
The Port Austin State Bank lists 1 office in 1 city. Most locations:
- Port Austin, MI (1)
Identity & history
Profile
- Legal name
- The Port Austin State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 14999
- RSSD ID
- 779641
- Primary regulator
- FDIC
- Established
- January 1, 1884
- Headquarters
- 62 E State St, Port Austin, MI 48467
- Website
- www.portaustinbank.com
- Employees
- 9
Quick answers
The Port Austin State Bank: common questions
Is The Port Austin State Bank FDIC insured?
Yes. The Port Austin State Bank is an FDIC-insured institution (FDIC certificate #14999). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Port Austin State Bank's TellerScore?
95 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Port Austin State Bank ever failed?
There is no failure record for FDIC certificate #14999 in the FDIC failed bank list.
How many branches does The Port Austin State Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Port Austin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Thumb Bank and TrustBank Pigeon, MI | 77 out of 100, Strong | $673.3M | 9.4% | 0.03% | vs |
| Flagship Community Federal Credit UnionCredit union Port Huron, MI | 76 out of 100, Strong | $34.8M | 11.2% | 0.31% | vs |
| Bay Port State BankBank Bay Port, MI | 71 out of 100, Strong | $153.4M | 10.9% | 0.65% | vs |
| Team One Credit UnionCredit union Saginaw, MI | 66 out of 100, Moderate | $765.9M | 9.9% | 0.64% | vs |
| Frankenmuth Credit UnionCredit union Frankenmuth, MI | 64 out of 100, Moderate | $1.6B | 10.3% | 1.19% | vs |
| Independent BankBank Grand Rapids, MI | 63 out of 100, Moderate | $5.7B | 9.7% | 0.99% | vs |