Side-by-side · Q2 2026 data
First State Bank of Michigan vs The Port Austin State Bank
Metric by metric
| Measure | First State Bank of Michigan | The Port Austin State Bank |
|---|---|---|
| TellerScore | 64 | 95 (stronger) |
| Capital cushion | 89 | 100 (stronger) |
| Loan quality | 71 | 100 (stronger) |
| Earnings | 0 | 93 (stronger) |
| Funding & liquidity | 72 | 77 (stronger) |
| Problem-loan coverage | 92 | 100 (stronger) |
| Peer percentile | 24th | 97th |
| Total assets | $87.8M | $67.8M |
| Deposits / shares | $71.6M | $54.6M |
| Capital ratio | 13.89% | 18.44% (stronger) |
| Problem loans | 0.88% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | -1.32% | 1.83% (stronger) |
| Loans ÷ deposits | 88.3% | 83.6% (stronger) |
| Uninsured deposits | 9.7% | 7.9% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Port Austin State Bank has the higher TellerScore (95 vs 64). On the 6 directional measures above (where higher or lower is clearly better), First State Bank of Michigan leads on 0 and The Port Austin State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.