Bay Port State Bank

Bay Port State Bank is a locally owned community bank founded in 1896 and headquartered in Bay Port, Michigan. It serves small businesses and agricultural operators across Michigan's Thumb region, with branch locations in Bay Port, Pigeon, Bad Axe, and Sebewaing. The bank's lending lineup covers lines of credit, term loans, equipment financing, commercial real estate, and construction finance — alongside a dedicated agricultural lending program that reflects the region it serves. As a community institution with more than a century of history, it appears well suited for established businesses and farm operations in the Thumb area seeking a relationship-driven lender with local decision-making. Borrowers outside Michigan or looking for fully online processes will likely need to look elsewhere. No specific rate, fee, or qualification data was available at time of review.