BAYVANGUARD BANK

SPARROWS POINT, MD | Medium | Est. Sept. 1, 1873, midnight | FDIC #32527 | RSSD #242976 | FDIC
Latest Report: 2025-12-31

BAYVANGUARD BANK is amn medium FDIC-insured commercial bank headquartered in SPARROWS POINT, MD, established in Sept. 1, 1873, midnight. As of 2025-12-31, the bank reported total assets of $903M and total deposits of $689M. Profitability stands at 2.26% ROA and 11.66% ROE, with a net interest margin of 4.83%. The bank's CET1 capital ratio is 21.13%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.30% and a Texas Ratio of 1.35%. FDIC Certificate #32527.

Assets

$903M

Deposits

$689M

Loans

$755M

Equity

$160M

Profitability

Return on Assets (ROA) 2.26%
Return on Equity (ROE) 11.66%
Net Interest Margin (NIM) 4.83%
Yield on Assets 6.28%
Cost of Funds 1.69%

Asset Quality

NPL Ratio 0.30%
Net Charge-Off Ratio -0.01%
Texas Ratio 1.35%
NPA Ratio 0.25%
ACL / Loans 0.85%

Capital & Liquidity

CET1 Ratio 21.13%
Tier 1 Capital 21.13%
Total Capital Ratio 22.06%
Leverage Ratio 16.44%
Loan-to-Deposit 109.47%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required