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
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