Bay Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 14.32 percentage points in Q2 2026, from 79.07% to 93.40%. It was the largest change from Q1 2026 among the key lines here. Bay Bank ranks 103rd of 153 Wisconsin banks on return on assets, in the lower half at 1.13% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Bay Bank sits 0.12 points lower, at 1.13% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 22.31% |
| Tier 1 risk-based capital ratio | 22.31% |
| Total risk-based capital ratio | 23.56% |
| Tier 1 leverage ratio | 11.19% |
| Equity capital to assets | 9.92% |
| Tangible equity to tangible assets | 9.92% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.03% |
| Non-performing assets ratio | 0.86% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 8.01% |
| Allowance for credit losses to loans | 1.89% |
| Reserve coverage of non-performing loans | 93.40% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.13% |
| Return on equity | 11.50% |
| Net interest margin | 4.19% |
| Efficiency ratio | 65.10% |
| Yield on earning assets | 5.00% |
| Cost of funds | 0.86% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 50.55% |
| Core deposits to total deposits | 95.04% |
| Brokered deposits to total deposits | 25.25% |
| Deposits to assets | 83.91% |
| Securities to assets | 44.74% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 21.62% | 21.62% | 22.87% | 10.50% | 0.79% |
| Q4 2023 | 20.76% | 20.76% | 22.01% | 9.83% | 1.68% |
| Q1 2024 | 21.16% | 21.16% | 22.41% | 9.65% | 1.43% |
| Q2 2024 | 21.21% | 21.21% | 22.46% | 9.94% | 1.40% |
| Q3 2024 | 20.99% | 20.99% | 22.24% | 10.17% | 1.46% |
| Q4 2024 | 21.08% | 21.08% | 22.33% | 9.92% | 1.38% |
| Q1 2025 | 21.52% | 21.52% | 22.77% | 10.02% | 1.02% |
| Q2 2025 | 21.40% | 21.40% | 22.65% | 10.25% | 1.35% |
| Q3 2025 | 22.18% | 22.18% | 23.44% | 10.75% | 1.26% |
| Q4 2025 | 23.27% | 23.27% | 24.53% | 10.77% | 1.44% |
| Q1 2026 | 22.53% | 22.53% | 23.79% | 11.10% | 1.12% |
| Q2 2026 | 22.31% | 22.31% | 23.56% | 11.19% | 1.13% |
Bay Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bay Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bay Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34052) · FFIEC NIC profile (RSSD 2329200)