BAYBANK

GLADSTONE, MI | Small | Est. July 1, 1912, midnight | FDIC #1092 | RSSD #242958 | FDIC
Latest Report: 2025-12-31

BAYBANK is asn small FDIC-insured commercial bank headquartered in GLADSTONE, MI, established in July 1, 1912, midnight. As of 2025-12-31, the bank reported total assets of $169M and total deposits of $144M. Profitability stands at 1.53% ROA and 15.60% ROE, with a net interest margin of 4.95%. The bank's CET1 capital ratio is 9.91%. Asset quality metrics show a non-performing loan ratio of 0.78% and a Texas Ratio of 5.40%. FDIC Certificate #1092.

Assets

$169M

Deposits

$144M

Loans

$129M

Equity

$17M

Profitability

Return on Assets (ROA) 1.53%
Return on Equity (ROE) 15.60%
Net Interest Margin (NIM) 4.95%
Yield on Assets 6.86%
Cost of Funds 1.96%

Asset Quality

NPL Ratio 0.78%
Net Charge-Off Ratio 0.03%
Texas Ratio 5.40%
NPA Ratio 0.60%
ACL / Loans 1.46%

Capital & Liquidity

CET1 Ratio 9.91%
Tier 1 Capital 9.91%
Total Capital Ratio 10.41%
Leverage Ratio 10.62%
Loan-to-Deposit 89.73%

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