Branch Network
Baybank Locations & Branches Gladstone, Michigan
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Baybank operates 3 branches from its headquarters in Gladstone, MI, .
Baybank branch network
All 3 branches are in MICHIGAN, across 3 cities. Its largest office by deposits is its main office in Gladstone, MI, with $83.4M (57.2% of its branch deposits). It had the same number of branches on June 30, 2025.
Baybank at a glance
It reports no CET1 ratio; its Tier 1 leverage ratio was 10.71% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Total assets, Q2 2026
- $173.4M
- Tier 1 leverage ratio, Q2 2026
- 10.71%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Established
- 1912
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Gladstone, MI (1 branch) | 1 of 3 | 49.0% | $83.4M |
| State: MI (3 branches) | 74 of 95 | <0.1% | $145.8M |
Ranked by total assets among banks headquartered in the state: Largest banks in Michigan.
Share by county and metro area
Baybank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Delta, MI (3 branches) | 3 of 5 | 19.2% | $145.8M | $759.5M |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Escanaba, MI (3 branches) | 3 of 5 | 19.2% | $145.8M | $759.5M |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Baybank (main office) | Gladstone, MI | 49837 | $83.4M |
| The Lincoln Branch | Escanaba, MI | 49829 | $35.1M |
| Rapid River Branch | Rapid River, MI | 49878 | $27.2M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 1092) · FFIEC NIC profile (RSSD 242958)