BAY BANK

GREEN BAY, WI | Small | Est. Aug. 21, 1995, midnight | FDIC #34052 | RSSD #2329200 | FDIC
Latest Report: 2025-12-31

BAY BANK is asn small FDIC-insured commercial bank headquartered in GREEN BAY, WI, established in Aug. 21, 1995, midnight. As of 2025-12-31, the bank reported total assets of $310M and total deposits of $266M. Profitability stands at 1.46% ROA and 14.91% ROE, with a net interest margin of 4.30%. The bank's CET1 capital ratio is 23.27%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.36% and a Texas Ratio of 9.00%. FDIC Certificate #34052.

Assets

$310M

Deposits

$266M

Loans

$127M

Equity

$31M

Profitability

Return on Assets (ROA) 1.46%
Return on Equity (ROE) 14.91%
Net Interest Margin (NIM) 4.30%
Yield on Assets 5.16%
Cost of Funds 0.92%

Asset Quality

NPL Ratio 2.36%
Net Charge-Off Ratio 0.58%
Texas Ratio 9.00%
NPA Ratio 0.96%
ACL / Loans 1.93%

Capital & Liquidity

CET1 Ratio 23.27%
Tier 1 Capital 23.27%
Total Capital Ratio 24.53%
Leverage Ratio 10.77%
Loan-to-Deposit 47.51%

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