Bayvanguard Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 12.16 percentage points in Q2 2026, from 226.96% to 214.80%. It was the largest change from Q1 2026 among the key lines here. Within Maryland, Bayvanguard Bank is 4th of 27 on loan-to-deposit ratio, 103.08% as of Q2 2026, above the middle of the field. Bayvanguard Bank reported 103.08% on loan-to-deposit ratio for Q2 2026, 22.25 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $710.4M |
| Net loans and leases | $704.2M |
| Loans held for sale | $0 |
| Loans to total assets | 81.77% |
| Loan-to-deposit ratio | 103.08% |
| Net loans to equity capital | 4.33% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 49.31% |
| Multifamily (5+ residential) | 5.06% |
| Commercial and industrial | 2.28% |
| Consumer | 1.86% |
| Credit cards | 0.00% |
| Farm | 1.43% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 214.80% |
| Construction concentration (Tier 1 capital + allowance) | 17.79% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.16% |
| Interest income on loans | $11.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $707.0M | $691.7M | 50.44% | 2.59% | 2.62% |
| Q4 2023 | $704.8M | $683.1M | 52.00% | 1.51% | 2.59% |
| Q1 2024 | $708.6M | $687.0M | 52.07% | 2.05% | 2.53% |
| Q2 2024 | $702.3M | $691.3M | 52.20% | 2.54% | 2.59% |
| Q3 2024 | $693.0M | $682.8M | 53.59% | 1.74% | 2.53% |
| Q4 2024 | $737.8M | $686.3M | 51.53% | 1.75% | 2.27% |
| Q1 2025 | $750.2M | $694.7M | 51.30% | 1.75% | 2.14% |
| Q2 2025 | $751.3M | $695.1M | 50.61% | 1.91% | 2.14% |
| Q3 2025 | $745.8M | $687.5M | 48.69% | 1.92% | 2.03% |
| Q4 2025 | $754.6M | $689.3M | 49.45% | 2.10% | 1.97% |
| Q1 2026 | $735.4M | $686.6M | 50.05% | 2.05% | 1.96% |
| Q2 2026 | $710.4M | $689.1M | 49.31% | 2.28% | 1.86% |
Bayvanguard Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bayvanguard Bank, freeSource: Call Report Schedule RC-C, 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 Bayvanguard Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32527) · FFIEC NIC profile (RSSD 242976)