How Big Is Port Austin State Bank?
Port Austin State Bank holds $68M in total assets and $56M in deposits, making it a small bank by U.S. standards. By total assets it is the 3,593rd-largest of the 3,960 FDIC-insured banks we track. Those figures come from Port Austin State Bank's latest FDIC call report (cert #14999); it is one of the smallest FDIC-insured institutions, with under $100 million in assets.
This page answers a common banking-safety question: How Big Is Port Austin State Bank?. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Port Austin State Bank Size at a Glance
- Total assets
- $68M
- Total deposits
- $56M
- Domestic deposits
- $56M
- Size class
- small bank
- Rank by assets
- #3,593 of 3,960
- Headquarters
- Port Austin, Michigan
Source: FDIC Call Report data (cert #14999). Figures reflect the latest reported quarter.
With $68M in total assets, Port Austin State Bank is one of the smallest FDIC-insured institutions, with under $100 million in assets. Nationally, that makes it the 3,593rd-largest of the 3,960 FDIC-insured banks we track. The bank funds those assets largely with $56M in customer deposits — a typical structure for a U.S. bank, where deposits are the primary funding source for lending.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 16.98% | 100/100 |
| Nonperforming Loan Ratio | 0.00% | 100/100 |
| Liquidity Ratio | 21.46% | 66/100 |
| Return on Assets | 1.60% | 84/100 |
| Total Assets | $0.1B | |
How does Port Austin State Bank compare?
With a Bank Health Score of 90/100, Port Austin State Bank sits 10.0 points above the national average of 80/100 for FDIC-insured banks. Within Michigan, where 69 FDIC-insured banks are headquartered, Port Austin State Bank ranks above the state average of 82/100 (Grade A).
The bank's Tier 1 capital ratio of 16.98% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold. Its nonperforming loan ratio of 0.00% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Port Austin State Bank's Bank Health Score fell by 6.0 points to 90/100. Tier 1 capital strengthened by 0.92 percentage points to 16.98%. Quarter-over-quarter, the score fell by 6.0 points.
Frequently Asked Questions
Port Austin State Bank holds $68M in total assets and $56M in deposits, making it a small bank by U.S. standards. By total assets it is the 3,593rd-largest of the 3,960 FDIC-insured banks we track. Those figures come from Port Austin State Bank's latest FDIC call report (cert #14999); it is one of the smallest FDIC-insured institutions, with under $100 million in assets.
Port Austin State Bank ranks 3,593rd by total assets out of the 3,960 FDIC-insured banks BankHealth tracks. Its $68M in assets classify it as a small bank.
Port Austin State Bank reports $68M in total assets and $56M in total deposits ($56M of it domestic). Total assets include loans, securities, and cash the bank owns; deposits are the money customers have placed with the bank. Deposits are typically a bank's largest funding source, and FDIC insurance covers each depositor up to $250,000 per ownership category.
Size and safety are different things. A bank's size (total assets) measures scale, not health — small banks and large banks can each be financially strong or weak. Port Austin State Bank earns a Bank Health Score of 90/100 (grade A) on capital, loan quality, liquidity, and profitability, independent of its $68M asset base. For deposits within the $250,000 FDIC limit, size does not change your insurance protection.
Yes. Port Austin State Bank (FDIC certificate #14999) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about Port Austin State Bank
Port Austin State Bank holds $68M in total assets and $56M in deposits, making it a small bank by U.S. standards. By total assets it is the 3,593rd-largest of the 3,960 FDIC-insured banks we track. Those figures come from Port Austin State Bank's latest FDIC call report (cert #14999); it is one of the smallest FDIC-insured institutions, with under $100 million in assets.