Bank call report · Green Bay, WI
Bay Bank Call Report
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Bay Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 378 reported line items, schedule by schedule (875 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 2329200 |
| FDIC certificate number | 34052 |
| Total assets | $315.7M |
Official Q2 2026 call report PDF (FFIEC) →
Bay Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (24 items)
About Schedule RC · Bay Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $315.7M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $315.7M |
| Total Liabilities and Minority Interest | RCON2948 | $284.4M |
| Total Deposits | RCON2200 | $264.9M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $189.2M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $141.2M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $133.9M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $131.4M |
| Deposits: Noninterest-bearing | RCON6631 | $75.7M |
| Total Equity Capital | RCON3210 | $31.3M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $31.3M |
| Undivided Profits and Capital Reserves | RCON3632 | $27.3M |
| Interest-bearing Balances | RCON0071 | $20.1M |
| Other Assets | RCON2160 | $13.2M |
| Securities Sold Under Agreements to Repurchase | RCONB995 | $10.8M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $7.0M |
| Other Liabilities, Total | RCON2930 | $6.3M |
| Surplus | RCON3839 | $5.8M |
| Accumulated Other Comprehensive Income | RCONB530 | -$3.9M |
| Allowance for Loan and Lease Losses | RCON3123 | $2.5M |
| Other Borrowed Money | RCON3190 | $2.4M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $2.3M |
| Common Stock | RCON3230 | $2.0M |
| Intangible Assets | RCON2143 | $565K |
Schedule RI: Income Statement (40 items)
About Schedule RI · Bay Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $7.2M |
| Net Interest Income | RIAD4074 | $6.1M |
| Total Noninterest Expense | RIAD4093 | $4.5M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $4.1M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $2.3M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $2.3M |
| Other Noninterest Expense | RIAD4092 | $2.1M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $2.1M |
| Salaries and Employee Benefits | RIAD4135 | $2.1M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $1.8M |
| Net Income (Loss) | RIAD4340 | $1.8M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $1.8M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $1.5M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $1.3M |
| Total Interest Expense | RIAD4073 | $1.2M |
| Total Noninterest Income | RIAD4079 | $902K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $809K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $758K |
| Applicable Income Taxes | RIAD4302 | $542K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $500K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $397K |
| Other Noninterest Income | RIADB497 | $365K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $306K |
| Net Servicing Fees | RIADB492 | $297K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $280K |
| Interest on Other Securities | RIAD4060 | $270K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $236K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $170K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $138K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $126K |
| Provision for Loan and Lease Losses | RIAD4230 | $125K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $76K |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $57K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $55K |
| Other Interest Income | RIAD4518 | $35K |
| Loans to Individuals for Households, Family, and Other Personal Expenditures: Credit Cards | RIADB485 | $24K |
| Income from Other Insurance and Reinsurance Activities | RIADC387 | $15K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $8K |
| Interest on Trading Liabilities and Other Borrowed Money | RIAD4185 | $4K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 40 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (4 items)
Schedule RC-B: Securities (33 items)
About Schedule RC-B · Bay Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost | RCONG302 | $3.5M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value | RCONG303 | $3.4M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $70.4M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCONG307 | $67.8M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $28.6M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $27.4M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $146.6M |
| Pledged Securities | RCON0416 | $42.1M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $41.9M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $25.9M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $22.4M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $16.0M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $16.0M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $15.9M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $15.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $14.0M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $10.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $9.8M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK152 | $5.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $5.5M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK153 | $5.5M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $4.6M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $4.3M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $4.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $3.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $2.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $2.1M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $2.0M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $1.8M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $1.8M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $1.4M |
| Amortized Cost of Structured Notes | RCON8782 | $1.2M |
| Fair Value of Structured Notes | RCON8783 | $1.2M |
Schedule RC-C, Part I: Loans and Leases (36 items)
About Schedule RC-C, Part I · Bay Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $133.9M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $38.0M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $35.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $32.0M |
| Commercial and Industrial Loans | RCON1766 | $24.2M |
| Commercial and Industrial Loans to U.S. Addressees | RCON1763 | $24.2M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $23.9M |
| Pledged Loans and Leases | RCONG378 | $23.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $20.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $15.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $15.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $11.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $10.7M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $10.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $9.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $8.9M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $8.0M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $7.3M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $5.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $3.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $3.2M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $2.1M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $1.3M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $1.3M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $1.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $884K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Owner-occupied Nonfarm Nonresidential Properties | RCONK161 | $688K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Commercial and Industrial Loans | RCONK256 | $592K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Commercial and Industrial Loans: to U.S. Addressees (Domicile) | RCONK163 | $592K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Credit Cards | RCONB538 | $544K |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $256K |
| Loans to Nondepository Financial Institutions and Other Loans: Other Loans: All Other Loans (Exclude Consumer Loans) | RCONJ451 | $66K |
| Other Loans | RCONJ464 | $66K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - All Other Loans | RCONK165 | $16K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Automobile Loans That Exceed 10 Percent of Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONK203 | $16K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $10K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $16.9M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $8.5M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $6.9M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $6.3M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $2.2M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $815K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 226 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 45 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 34 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 17 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 16 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 12 |
Schedule RC-E: Deposit Liabilities (28 items)
About Schedule RC-E · Bay Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $185.4M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $147.9M |
| Total reciprocal deposits | RCONJH83 | $123.8M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $100.8M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $80.3M |
| Total Transaction Accounts | RCON2215 | $79.5M |
| Total Demand Deposits (See Note Below) | RCON2210 | $75.7M |
| Brokered Deposits of More Than $250,000 with a Remaining Maturity of One Year or Less | RCONK220 | $66.9M |
| Total Brokered Deposits | RCON2365 | $66.9M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $48.4M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $30.2M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $13.5M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $13.1M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $12.9M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $8.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $7.7M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $7.7M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $5.2M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $4.4M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $4.1M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $2.7M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $1.9M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $1.3M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $825K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $783K |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $601K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $554K |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $266K |
Schedule RC-F: Other Assets (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Assets | RCON2168 | $4.9M |
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $3.9M |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $3.5M |
| Net Deferred Tax Assets | RCON2148 | $1.8M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $1.5M |
| Accrued Interest Receivable | RCONB556 | $1.1M |
| Second Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3550 | $690K |
Schedule RC-G: Other Liabilities (8 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $5.1M |
| First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3552 | $3.6M |
| Other Expenses Accrued and Unpaid | RCON3646 | $824K |
| Operating lease liabilities | RCONLB56 | $582K |
| Deferred Compensation Liabilities | RCONC011 | $413K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $267K |
| Accounts Payable | RCON3066 | $125K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $110K |
Schedule RC-K: Quarterly Averages (17 items)
About Schedule RC-K · Bay Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $314.9M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $159.7M |
| Quarterly Average of Total Loans | RCON3360 | $133.0M |
| Mortgage-backed Securities | RCONB559 | $105.1M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $53.1M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $46.3M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $23.9M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $23.1M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $17.5M |
| All Other Securities | RCONB560 | $15.8M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $13.1M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $11.2M |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $9.4M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $9.2M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $8.3M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $2.4M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards | RCONB561 | $519K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (9 items)
About Schedule RC-L · Bay Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $8.5M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $7.4M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $2.5M |
| Credit Card Lines: Unused Consumer Credit Card Lines | RCONJ455 | $1.6M |
| Unused Commitments - Credit Card Lines | RCON3815 | $1.6M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $1.4M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $815K |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $93K |
| Commercial and Similar Letters of Credit | RCON3411 | $50K |
Schedule RC-M: Memoranda (13 items)
About Schedule RC-M · Bay Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $2.6M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Three Through Five Years | RCONF057 | $1.6M |
| Secured Liabilities: Amount of 'Other Borrowings' That Are Secured | RCONF065 | $735K |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of Over Five Years | RCONF063 | $669K |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $565K |
| Mortgage Servicing Assets | RCON3164 | $565K |
| Outstanding balance of PPP loans | RCONLG27 | $73K |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of Over Three Year Through Five Years. | RCONF062 | $27K |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF061 | $26K |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF060 | $13K |
| Other Borrowings: with a Remaining Maturity of One Year or Less | RCONB571 | $13K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 2 |
| Number of outstanding PPP Loans | RCONLG26 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (21 items)
About Schedule RC-N · Bay Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $2.7M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $1.6M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $1.1M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual | RCONHK28 | $987K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $870K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $801K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $594K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty : Commercial and Industrial Loans - to US Addressees - Nonaccrual | RCONK122 | $585K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty: Commercial and Industrial Loans - Nonaccrual | RCONK259 | $585K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Secured by 1-4 Residential Properties (in Domestic Offices) - Nonaccrual | RCONF663 | $402K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $332K |
| Additions to Nonaccrual Assets | RCONC410 | $327K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual | RCONK215 | $187K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC238 | $180K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $165K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $55K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $26K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards - Past Due 30 Through 89 Days and Still Accruing | RCONB575 | $10K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $9K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $4K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards - Nonaccrual | RCONB577 | $3K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (10 items)
About Schedule RC-O · Bay Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $314.9M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $265.2M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $145.6M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $118.3M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $34.8M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $1.3M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 5,218 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 81 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 36 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (2 items)
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (21 items)
About Schedule RC-R, Part I · Bay Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $314.9M |
| Average total consolidated assets | RCOAKW03 | $314.9M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $157.9M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $37.2M |
| Common Equity Tier 1 Capital | RCOAP859 | $35.2M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $35.2M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $35.2M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $31.3M |
| Retained Earnings | RCOAKW00 | $27.3M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $7.9M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$3.9M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$3.9M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $2.0M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $2.0M |
| Tier 2 Capital Before Deductions | RCOAP870 | $2.0M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.2356 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.2231 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.2231 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.1556 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1119 |
Schedule RC-R, Part II: Risk-Weighted Assets (58 items)
About Schedule RC-R, Part II · Bay Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $159.1M |
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $158.6M |
| Total Risk-weighted Assets | RCONG641 | $157.9M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $148.3M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $141.2M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $125.9M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $99.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $99.2M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $93.9M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $79.8M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $70.7M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $52.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $46.0M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $46.0M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $42.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $32.7M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $32.7M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $31.8M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $27.1M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $23.0M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $20.9M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $17.7M |
| Total All Other Assets | RCOND981 | $16.0M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $14.8M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $14.1M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $12.2M |
| Repo-style Transactions - 20 Pct Risk Weight Category | RCONS520 | $10.8M |
| Repo-style Transactions - Credit Equivalent Amount | RCONS516 | $10.8M |
| Repo-style Transactions - Face, Notional, or Other Amount | RCONS515 | $10.8M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $9.1M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $9.0M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$7.9M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$5.4M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $4.2M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $4.2M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $3.1M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $3.1M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $2.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $2.1M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $2.1M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $2.1M |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $1.4M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $1.2M |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $815K |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $815K |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $815K |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $615K |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $565K |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $565K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $565K |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $308K |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $308K |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $145K |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $74K |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - Face, Notional, or Other Amount | RCONG606 | $50K |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $47K |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - 100 Pct Risk Weight Category | RCONG611 | $10K |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - Credit Equivalent Amount | RCONG607 | $10K |
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (3 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with No Recourse or Other Servicer-provided Credit Enhancements | RCONB805 | $89.7M |
| Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with Recourse or Oher Servicer-provided Credit Enhancements | RCONB804 | $23.5M |
| Outstanding Principal Balance of Assets Serviced for Others Including Participations Serviced for Others: 1-4 Family Residential Mortgage Serviced for Others That Are in the Process of Foreclosure at Quarter-end (Includes Closed-end and Open-end Loans) | RCONF699 | $1.1M |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $31.3M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $30.7M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $30.7M |
| Other Comprehensive Income | RIADB511 | -$1.2M |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (8 items)
About Schedule RI-B, Part I · Bay Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $78K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $46K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $37K |
| Charge-offs on Automobile Loans | RIADK129 | $20K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $18K |
| Recoveries on Automobile Loans | RIADK133 | $17K |
| Charge-offs on Loans to Credit Cards | RIADB514 | $12K |
| Recoveries on Loans to Credit Cards | RIADB515 | $2K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · Bay Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $2.5M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $2.4M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $78K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $1K |
Schedule RI-E: Explanations (16 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| First Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4464 | $621K |
| Data Processing Expenses | RIADC017 | $441K |
| Third Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4468 | $202K |
| First Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4461 | $151K |
| Income and Fees from Automated Teller Machines (Atms) | RIADC016 | $135K |
| Accounting and Auditing Expenses | RIADF556 | $102K |
| Earnings On/increase in Value of Cash Surrender Value of Life Insurance | RIADC014 | $63K |
| Directors' Fees | RIAD4136 | $43K |
| Operating Expenses Communications - Postage, Monthly | RIAD8403 | $35K |
| Automated Teller Machine (ATM) and Interchange Expense | RIADF558 | $32K |
| Insurance Expenses (Not Included in Emplouee Expenses, Premises and Fixed Asset Expenses, and Other Real Estate Owned Expenses) | RIADY924 | $31K |
| Telecommunications Expense | RIADF559 | $26K |
| Printing, Stationery, and Supplies | RIADC018 | $19K |
| Marketing and Other Professional Services | RIAD0497 | $4K |
| Bank Card and Credit Card Interchange Fees | RIADF555 | $3K |
| Safe Deposit Box Rent | RIADC015 | $1K |
Bay Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Bay Bank call report?
The Bay Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Bay Bank file?
Bay Bank files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Bay Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Bay Bank has Federal Reserve RSSD ID 2329200 and FDIC certificate number 34052. Either one finds its filings on the FFIEC Central Data Repository.
How often does Bay Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Bay Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 34052) · FFIEC NIC profile (RSSD 2329200)