Bank call report · Sparrows Point, MD
Bayvanguard Bank Call Report
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Bayvanguard Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 394 reported line items, schedule by schedule (863 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 | 242976 |
| FDIC certificate number | 32527 |
| Total assets | $868.7M |
Official Q2 2026 call report PDF (FFIEC) →
Bayvanguard 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 (27 items)
About Schedule RC · Bayvanguard Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $868.7M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $868.7M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $710.4M |
| Total Liabilities and Minority Interest | RCON2948 | $706.1M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $704.2M |
| Total Deposits | RCON2200 | $689.1M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $546.4M |
| Total Equity Capital | RCON3210 | $162.6M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $162.6M |
| Deposits: Noninterest-bearing | RCON6631 | $142.8M |
| Surplus | RCON3839 | $90.2M |
| Undivided Profits and Capital Reserves | RCON3632 | $79.0M |
| Interest-bearing Balances | RCON0071 | $60.2M |
| Other Assets | RCON2160 | $36.3M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $32.2M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $12.8M |
| Other Liabilities, Total | RCON2930 | $10.0M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $8.7M |
| Intangible Assets | RCON2143 | $8.7M |
| Goodwill | RCON3163 | $8.1M |
| Other Borrowed Money | RCON3190 | $7.0M |
| Other Components of Equity Capital | RCONA130 | -$6.9M |
| Allowance for Loan and Lease Losses | RCON3123 | $6.2M |
| Held-to-maturity Securities, Total | RCON1754 | $5.6M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $5.6M |
| Common Stock | RCON3230 | $1.5M |
| Accumulated Other Comprehensive Income | RCONB530 | -$1.2M |
Schedule RI: Income Statement (39 items)
About Schedule RI · Bayvanguard Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $24.3M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $22.3M |
| Net Interest Income | RIAD4074 | $18.4M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $13.5M |
| Total Noninterest Expense | RIAD4093 | $12.9M |
| Salaries and Employee Benefits | RIAD4135 | $9.1M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $7.2M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $6.7M |
| 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 | $6.7M |
| Total Interest Expense | RIAD4073 | $5.9M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $4.5M |
| Net Income (Loss) | RIAD4340 | $4.5M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $4.5M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $3.1M |
| Other Noninterest Expense | RIAD4092 | $2.5M |
| Applicable Income Taxes | RIAD4302 | $2.2M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $1.7M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $1.3M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $1.1M |
| Total Noninterest Income | RIAD4079 | $996K |
| Other Noninterest Income | RIADB497 | $782K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $609K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $540K |
| Interest on Trading Liabilities and Other Borrowed Money | RIAD4185 | $511K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $388K |
| 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 | $384K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $321K |
| Provision for Loan and Lease Losses | RIAD4230 | -$256K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $244K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | -$226K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $215K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $179K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | -$135K |
| Net Servicing Fees | RIADB492 | $134K |
| Interest on Other Securities | RIAD4060 | $94K |
| Amortization Expense and Impairment Losses Intangible Assets | RIADC232 | $90K |
| Other Interest Income | RIAD4518 | $57K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $14K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 101 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (4 items)
Schedule RC-B: Securities (48 items)
About Schedule RC-B · Bayvanguard 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 | $242K |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value | RCONG303 | $242K |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Held-to-maturity Amortized Cost | RCONG300 | $358K |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Held-to-maturity Fair Value | RCONG301 | $345K |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $4.6M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCONG307 | $3.8M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Held-to-maturity Amortized Cost | RCONG304 | $312K |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Held-to-maturity Fair Value | RCONG305 | $301K |
| 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 | $6.9M |
| 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 | $6.2M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Held-to-maturity Amortized Cost | RCONG312 | $3K |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Held-to-maturity Fair Value | RCONG313 | $3K |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $33.8M |
| Pledged Securities | RCON0416 | $26.3M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $15.2M |
| 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 | $14.0M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Amortized Cost | RCONHT60 | $9.3M |
| Structured financial products guaranteed by U.S. Government agencies or sponsored agencies included in Schedule HC-B, item 5.b -- Available-for-sale: Amortized Cost | RCONPV00 | $9.3M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Fair Value | RCONHT61 | $9.3M |
| Guaranteed by U.S. Government Agencies or Sponsored Agencies Included in Schedule Rc-b, Item 5.B - Available-for-sale, Fair Value | RCONPV01 | $9.3M |
| 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 | $8.5M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $6.9M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $6.9M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $6.9M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $5.1M |
| 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 | $3.5M |
| 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 | $3.5M |
| 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 | $3.4M |
| Amortized Cost of Other Held-to-maturity Domestic Debt Securities | RCON1737 | $3.2M |
| Fair Value of Other Held-to-maturity Domestic Debt Securities | RCON1738 | $3.1M |
| 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 Three Years Through Five Years | RCONA552 | $2.1M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Held-to-maturity Amortized Cost | RCONK150 | $1.8M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $1.7M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $1.7M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Held-to-maturity Fair Value | RCONK151 | $1.4M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $1.2M |
| 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 | $556K |
| Amortized Cost of Structured Notes | RCON8782 | $499K |
| 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 | $489K |
| Amortized Cost of Available-for-sale Other Foreign Debt Securities | RCON1744 | $485K |
| Fair Value of Structured Notes | RCON8783 | $442K |
| Fair Value of Available-for-sale Other Foreign Debt Securities | RCON1746 | $433K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $373K |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $275K |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $275K |
| 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 | $213K |
| 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 | $66K |
| 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 One Year Through Three Years | RCONA557 | $36K |
Schedule RC-C, Part I: Loans and Leases (36 items)
About Schedule RC-C, Part I · Bayvanguard Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $710.4M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $273.1M |
| Pledged Loans and Leases | RCONG378 | $259.7M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $234.8M |
| 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 | $124.8M |
| 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 | $116.6M |
| 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 | RCONA569 | $111.8M |
| 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 | $83.1M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $77.2M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $69.9M |
| 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 | $61.4M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $60.6M |
| 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 Three Months Through 12 Months | RCONA571 | $60.0M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $35.9M |
| 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 Five Years Through 15 Years | RCONA568 | $32.8M |
| 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 | $32.8M |
| 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 | $32.4M |
| 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 15 Years | RCONA575 | $27.4M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $23.8M |
| 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 | $17.2M |
| Commercial and Industrial Loans | RCON1766 | $16.2M |
| Commercial and Industrial Loans to U.S. Addressees | RCON1763 | $16.2M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $13.0M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $13.0M |
| Real Estate Loans Secured by Farmland | RCON1420 | $10.1M |
| Loans to Nondepository Financial Institutions and Other Loans: Loans to Nondepository Financial Institutions | RCONJ454 | $7.1M |
| 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 | $6.7M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $4.1M |
| Revolving, open-end lines of credit secured by 1-4 family residential properties that have converted to non-revolving closed-end status that are included in item 1.c(1) above | RCONLE75 | $2.1M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $1.5M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices | RCONF576 | $1.4M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $1.4M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $350K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $104K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $89K |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $46K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (18 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 | $86.3M |
| 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 | $8.0M |
| 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 | $2.5M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $2.3M |
| 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 | $1.4M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $1.2M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $389K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $350K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $314K |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 207 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 90 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 64 |
| 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 | 33 |
| 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 | 25 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 10 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 8 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 4 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 1 |
Schedule RC-E: Deposit Liabilities (31 items)
About Schedule RC-E · Bayvanguard Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $477.0M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $407.6M |
| Total Transaction Accounts | RCON2215 | $212.1M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $186.0M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $145.4M |
| Total Demand Deposits (See Note Below) | RCON2210 | $132.1M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $122.2M |
| 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 | $103.9M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $101.1M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $80.8M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $55.3M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $50.4M |
| Total Brokered Deposits | RCON2365 | $50.4M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $38.8M |
| Estimated Amount of Deposits Obtained Through the Use of Deposit Listing Services That Are Not Brokered Deposits | RCONK223 | $37.9M |
| 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 | $35.0M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $30.7M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $27.4M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $26.1M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $26.0M |
| 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 | $22.6M |
| 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 | $20.4M |
| Total reciprocal deposits | RCONJH83 | $18.6M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $16.8M |
| 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 | $12.8M |
| 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 Years | RCONHK15 | $9.5M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $9.3M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $9.3M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $8.4M |
| 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 | $4.0M |
| 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 | $1.2M |
Schedule RC-F: Other Assets (9 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $15.2M |
| Net Deferred Tax Assets | RCON2148 | $6.7M |
| Life Insurance Assets: Hybrid Account Life Insurance Assets | RCONK270 | $5.5M |
| Other Assets | RCON2168 | $5.3M |
| Accrued Interest Receivable | RCONB556 | $3.0M |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $2.8M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $731K |
| Second Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3550 | $523K |
| Prepaid Expenses | RCON2166 | $440K |
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $5.9M |
| Other Expenses Accrued and Unpaid | RCON3646 | $3.6M |
| First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3552 | $3.1M |
| Deferred Compensation Liabilities | RCONC011 | $2.3M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $344K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $125K |
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · Bayvanguard Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $892.4M |
| Quarterly Average of Total Loans | RCON3360 | $725.6M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $432.1M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $260.0M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $253.1M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $187.7M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $73.0M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $70.1M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $29.4M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $27.7M |
| Mortgage-backed Securities | RCONB559 | $16.8M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $16.0M |
| All Other Securities | RCONB560 | $14.5M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $13.4M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $8.3M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $350K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (9 items)
About Schedule RC-L · Bayvanguard Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Off-balance Sheet Liabilities | RCON3430 | $29.0M |
| Standby Letters of Credit Issued by a Federal Home Loan Bank on the Bank's Behalf | RCONC978 | $29.0M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $28.4M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $19.0M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $13.9M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $6.6M |
| Other unused commitments: Loans to nondepository financial institutions | RCONPV11 | $6.1M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $5.8M |
| Performance Standby Letters of Credit | RCON3821 | $234K |
Schedule RC-M: Memoranda (6 items)
About Schedule RC-M · Bayvanguard Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of Over Five Years | RCONF063 | $7.0M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $1.9M |
| All other intangible assets | RCONJF76 | $561K |
| Outstanding balance of PPP loans | RCONLG27 | $11K |
| 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 | 1 |
| Number of outstanding PPP Loans | RCONLG26 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (18 items)
About Schedule RC-N · Bayvanguard Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $3.4M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $3.2M |
| Additions to Nonaccrual Assets | RCONC410 | $1.5M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $1.2M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $1.1M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $1.0M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $809K |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $670K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Loans Secured by Owner Occupied Nonfarm Nonresidential Properties: Nonaccrual | RCONK116 | $513K |
| 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 | $513K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $380K |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $372K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $363K |
| 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 | $341K |
| 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 - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $156K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $79K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-nonaccural | RCONC230 | $75K |
| Nonaccrual Assets Sold During the Quarter | RCONC411 | $39K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (13 items)
About Schedule RC-O · Bayvanguard Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Unsecured Other Borrowings with a Remaining Maturity of Over Five Years | RCONG468 | $7.0M |
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $892.4M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $689.5M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $442.1M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $221.3M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $151.4M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $24.4M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $1.6M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 19,067 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 1,104 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 315 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 6 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Bayvanguard Bank regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $672.5M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (25 items)
About Schedule RC-R, Part I · Bayvanguard Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $892.4M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $879.2M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $672.5M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $162.6M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $157.0M |
| Common Equity Tier 1 Capital | RCOAP859 | $150.6M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $150.6M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $150.6M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $84.8M |
| Retained Earnings | RCOAKW00 | $79.0M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $13.2M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $8.1M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $6.3M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $6.3M |
| Tier 2 Capital Before Deductions | RCOAP870 | $6.3M |
| Deferred Tax Assets (DTAS) That Arise from Net Operating Loss and Tax Credit Carryforwards, Net of Any Related Valuation Allowances and Net of Dtls | RCOAP843 | $4.5M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$1.2M |
| 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 | -$1.2M |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $561K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.2334 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.224 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.224 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1713 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.1534 |
Schedule RC-R, Part II: Risk-Weighted Assets (58 items)
About Schedule RC-R, Part II · Bayvanguard Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $672.5M |
| Total Risk-weighted Assets | RCONG641 | $672.5M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $534.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $534.2M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $516.3M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $449.8M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $447.4M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $258.6M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $243.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $243.0M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $243.0M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $121.5M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $68.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $66.9M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $66.9M |
| Total All Other Assets | RCOND981 | $57.8M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $57.4M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $38.5M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $32.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $29.1M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $29.1M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $26.7M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $24.9M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $15.6M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $15.2M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $13.2M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $12.5M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $12.5M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $11.5M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $11.5M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $7.1M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $5.8M |
| Total Held-to-maturity Securities | RCOND961 | $5.6M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Exposure Amount | RCONH296 | $5.5M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Risk-weighted Asset Amount | RCONH297 | $5.5M |
| Total Balance Sheet Assets - Other Risk Weighting Approaches Exposure Amount | RCONH300 | $5.5M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $5.3M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $5.3M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | $5.3M |
| Held-to-maturity Securities - 100 Pct Risk Weight Category | RCOND965 | $3.2M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $2.9M |
| Risk-weighted Assets by Risk-weighted Category - 400 Pct Risk Weight Category | RCONS575 | $2.6M |
| Held-to-maturity Securities - 20 Pct Risk Weight Category | RCOND963 | $2.1M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $2.0M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $1.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $1.9M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $1.9M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $1.9M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$1.6M |
| All Other Assets - 400 Pct Risk Weight Category | RCONS470 | $661K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 400 Pct Risk Weight Category | RCONS564 | $661K |
| Total Balance Sheet Assets - 400 Pct Risk Weight Category | RCONS506 | $661K |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $368K |
| Held-to-maturity Securities - 0 Pct Risk Weight Category | RCOND962 | $358K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount | RCOND997 | $234K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 100 Pct Risk Weight Category | RCONG605 | $117K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount | RCOND998 | $117K |
| Held-to-maturity Securities - Adjustment to Totals Reported in Column a | RCONS399 | -$2K |
Schedule RI-A: Changes in Bank Equity Capital (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $162.6M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $160.2M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $160.2M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $3.5M |
| Sale, Conversion, Acquisition, or Retirement of Capital Stock, Net (Excluding Treasury Stock Transactions) | RIADB509 | $1.4M |
| Treasury Stock Transactions, Net | RIADB510 | $98K |
| Other Comprehensive Income | RIADB511 | -$47K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (5 items)
About Schedule RI-B, Part I · Bayvanguard Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $42K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens | RIADC217 | $35K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $10K |
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $10K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $7K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (7 items)
About Schedule RI-B, Part II · Bayvanguard Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $6.4M |
| Allowance for Loan and Lease Losses | RIAD3123 | $6.2M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $31K |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $10K |
| Balance most recently reported for end of previous calendar year, Report of Condition and Income Held-to-maturity debt securities (i.e., after adjustments from amended Reports of Income) | RIADJH88 | $3K |
| Balance end of current period, Held-to-maturity debt securities | RIADJH93 | $2K |
| Provisions for credit losses, Held-to-maturity debt securities | RIADJH90 | -$1K |
Schedule RI-E: Explanations (11 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Data Processing Expenses | RIADC017 | $836K |
| Bank Card and Credit Card Interchange Fees | RIADF555 | $346K |
| First Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4464 | $313K |
| Third Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4468 | $303K |
| Second Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4467 | $279K |
| Accounting and Auditing Expenses | RIADF556 | $229K |
| Earnings On/increase in Value of Cash Surrender Value of Life Insurance | RIADC014 | $202K |
| Directors' Fees | RIAD4136 | $138K |
| Second Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4462 | $124K |
| First Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4461 | $52K |
| Initial allowances for credit losses recognized upon the acquisition of purchased credit deterioriated assets on or after the effective date of ASU 2016-13 | RIADJJ27 | $2K |
Bayvanguard 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 Bayvanguard Bank call report?
The Bayvanguard 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 Bayvanguard Bank file?
Bayvanguard 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 Bayvanguard Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Bayvanguard Bank has Federal Reserve RSSD ID 242976 and FDIC certificate number 32527. Either one finds its filings on the FFIEC Central Data Repository.
How often does Bayvanguard 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.
Bayvanguard 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 32527) · FFIEC NIC profile (RSSD 242976)