Bay Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bay Bank of Green Bay, WI against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.13% | 1.25% | -0.12% | 40th below |
| ROAE | 11.50% | 12.22% | -0.72% | 44th below |
| Net Interest Margin | 4.19% | 3.95% | +0.24% | 63rd above |
| Efficiency Ratio | 65.10% | 63.71% | +1.39% | 38th below |
| PPNR / Avg Assets | 1.56% | — | — | 48th below |
| Yield on Earning Assets | 5.00% | 5.67% | -0.67% | 23rd bottom |
| Cost of Funds | 0.86% | 1.87% | -1.01% | 94th top |
| Net Interest Spread | 3.84% | — | — | 76th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.03% | 0.88% | +1.15% | 12th bottom |
| NPA / Total Assets | 0.86% | — | — | 24th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.15% | -0.09% | 23rd bottom |
| ACL / Total Loans | 1.89% | — | — | 92nd top |
| ACL / NPLs (Coverage) | 93.40% | — | — | 25th below |
| Texas Ratio | 8.01% | 5.96% | +2.05% | 23rd bottom |
| Provision / NCO | 361.90% | — | — | 68th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 22.31% | 17.18% | +5.13% | 83rd top |
| Tier 1 Ratio | 22.31% | 17.21% | +5.10% | 83rd top |
| Total Capital Ratio | 23.56% | — | — | 83rd top |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.19% | 11.75% | -0.56% | 53rd above |
| Equity / Assets | 9.92% | 10.98% | -1.06% | 43rd below |
| TCE / Tangible Assets | 9.92% | — | — | 47th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 50.55% | 80.44% | -29.89% | 92nd top |
| Core Deposit Ratio | 95.04% | 86.95% | +8.09% | 84th top |
| Wholesale Funding Ratio | 4.16% | — | — | 44th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.23% | — | — | 48th below |
| Loan Growth (Y/Y) | 8.61% | — | — | 67th above |
| Deposit Growth (Y/Y) | 1.82% | — | — | 34th below |
See Bay Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bay Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bay Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Bay Bank peer analysis.