Bay Bank
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Data as of · sourced from FFIEC call reports. How we update
Bay Bank is an FDIC-insured commercial bank headquartered in Green Bay, WI, established in 1995 (FDIC certificate 34052), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $315.7M, up 4.2% from Q2 2025, the 95th largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 22.31% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 34052
- Headquarters
- Green Bay, WI
- Established
- 1995
- Total assets, Q2 2026
- $315.7M
- Assets vs Q2 2025
- +4.2%
- CET1 ratio, Q2 2026
- 22.31%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 075912770
- Latest call report
- Q2 2026, FFIEC 041 · Bay Bank call report
- Holding company
- BAY BANCORPORATION, INC.
- Asset rank in state
- 95th of 153 in Wisconsin
Bay Bank, based in Green Bay, Wisconsin, reported $316 million in assets at June 30, 2026, up 4.2% from a year earlier. It pays an average of 0.86% on its deposits and borrowings, about half the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also holds common equity equal to 22.31% of its risk-weighted assets, higher than about three-quarters of banks its size (median 15.12%).
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 2.03% of loans, down from 2.99% a year earlier. Its $24 million commercial and industrial book is improving, with 3.31% past due or on nonaccrual, down from 9.18% a year earlier. Credit is the area to watch: it carries problem assets equal to 8.0% of the capital and reserves that would absorb them, about triple the median of 2.6% for banks its size.
As of June 30, 2026, Bay Bank reported a CET1 capital ratio of 22.31%, a return on assets of 1.13%, a nonperforming-loan ratio of 2.03% and a Texas ratio of 8.01%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bay Bank is the 95th largest of the 153 banks headquartered in Wisconsin. From Q1 2026 to Q2 2026, its total assets rose 1.0% to $315.7M, loans rose 2.2% and deposits rose 2.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 34.8% of total loans, ahead of owner-occupied commercial real estate loans at 26.4%. Its 3 offices in the FDIC Summary of Deposits are in Green Bay, WI and Keshena, WI; its Green Bay 2 offices book 55% of its branch deposits. On its Q2 2026 call report, Bay Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2555 Packerland Dr, Green Bay, WI 54313
- County
- Brown
- Metro Area
- Green Bay, WI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- August 21, 1995
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 40
- Domestic deposits
- $264.9M
- Allowance for credit losses
- $2.5M
- Net charge-offs (YTD)
- $41K
- Average total assets
- $314.9M
- Average total loans
- $133.0M
- Average interest-bearing deposits
- $192.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 21, 1995
- FDIC Cert
- 34052
- Fed RSSD
- 2329200
- Website
- www.baybankgb.com →
- Parent Holding Company
- BAY BANCORPORATION, INC. (RSSD 2340867)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Bay Bank's total assets ran between $236.9M (Q3 2023) and $315.7M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$315.7M total assets against $302.9M; $284.4M total liabilities against $275.5M.
$131.4M net loans and leases against $120.8M; $264.9M total deposits against $260.2M.
$141.2M securities against $130.9M; $27.1M cash and balances due against $38.1M.
$3.7M total interest income against $3.5M; $597K total interest expense against $627K.
$3.1M net interest income against $2.9M.
$471K total noninterest income against $623K; $2.3M total noninterest expense against $1.9M.
$76K provision for credit losses against $186K.
$892K net income against $1.0M.
1.13% return on assets against 1.35%; 4.19% net interest margin against 3.97%.
22.31% CET1 capital ratio against 21.40%; 11.19% tier 1 leverage ratio against 10.25%.
Inside the full Bay Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBay Bank rankings
Its closest position to the top of a national ranking is 237 of 2,134, for CET1 ratio; its furthest is 2,365 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.02% (Q1 2025) to 1.46% (Q3 2024) and its net interest margin ran from 3.89% (Q1 2025) to 4.19% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 22.31% | 1.13% | 2.03% | 8.01% | 4.19% |
| Q1 2026 | 22.53% | 1.12% | 2.39% | 9.44% | 4.08% |
| Q4 2025 | 23.27% | 1.44% | 2.36% | 9.00% | 4.14% |
| Q3 2025 | 22.18% | 1.26% | 2.39% | 9.73% | 4.10% |
| Q2 2025 | 21.40% | 1.35% | 2.99% | 12.33% | 3.97% |
| Q1 2025 | 21.52% | 1.02% | 3.18% | 13.33% | 3.89% |
| Q4 2024 | 21.08% | 1.38% | 2.53% | 11.82% | 3.93% |
| Q3 2024 | 20.99% | 1.46% | 1.14% | 5.06% | 3.96% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bay Bank (main office) | Green Bay , WI | 54313 | $141.7M |
| Bay Bank-Menominee Branch | Keshena , WI | 54135 | $118.4M |
| West Mason Location Branch | Green Bay , WI | 54303 | $4.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in WI, rank 104 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 154 applications, 82 loans originated, $12.0M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $1.2M approved, $1.2M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bay Bank
What are Bay Bank's total assets?
As of the Q2 2026 filing, Bay Bank reported total assets of $315.7 million in its FFIEC call report.
Where is Bay Bank headquartered?
It is headquartered in Green Bay, WI, United States.
When was Bay Bank founded?
It was established in 1995, per the FDIC institution directory.
Is Bay Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34052). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bay Bank?
Bay Bank's primary federal regulator is the FDIC.
What is Bay Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 22.31% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bay Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bay Bank's Texas Ratio?
Its Texas Ratio is 8.01% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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