BAY PORT STATE BANK
BAY PORT, MICHIGAN · FDIC Cert #15585
Capital & Safety Analysis
According to FDIC financial data, BAY PORT STATE BANK holds a Tier 1 capital ratio of 12.87%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning BAY PORT STATE BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
BAY PORT STATE BANK shows strong financial health indicators. With $146M in assets and a Health Score of 71/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
BAY PORT STATE BANK has a Bank Health Score of B (71/100). It holds a Tier 1 capital ratio of 12.87%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
BAY PORT STATE BANK holds $146M in total assets and $132M in total deposits. It is located in BAY PORT, MICHIGAN (FDIC Certificate #15585).
BAY PORT STATE BANK has a Tier 1 capital ratio of 12.87%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.22%, and the return on assets is 1.41%.
Yes. BAY PORT STATE BANK is FDIC-insured (Certificate #15585). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.