Bayvanguard Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bayvanguard Bank of Sparrows Point, MD against its peer group of 2672 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 | 1.55% | 1.35% | +0.20% | 66th above |
| ROAE | 8.53% | 12.06% | -3.53% | 28th below |
| Net Interest Margin | 4.47% | 3.90% | +0.57% | 78th top |
| Efficiency Ratio | 53.76% | 63.15% | -9.39% | 73rd above |
| PPNR / Avg Assets | 2.02% | 1.64% | +0.38% | 73rd above |
| Yield on Earning Assets | 5.81% | 5.65% | +0.16% | 59th above |
| Cost of Funds | 1.57% | 1.85% | -0.28% | 65th above |
| Net Interest Spread | 3.83% | 3.35% | +0.48% | 76th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.67% | 0.92% | -0.25% | 38th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.55% | 0.67% | -0.12% | 36th below |
| NCO / Avg Loans | -0.01% | 0.15% | -0.16% | 84th top |
| ACL / Total Loans | 0.87% | 1.28% | -0.41% | 15th bottom |
| ACL / NPLs (Coverage) | 130.33% | 1645.78% | -1515.45% | 36th below |
| Texas Ratio | 2.98% | 7.15% | -4.17% | 54th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 22.40% | 20.83% | +1.57% | 84th top |
| Tier 1 Ratio | 22.40% | 20.86% | +1.54% | 84th top |
| Total Capital Ratio | 23.34% | 21.93% | +1.41% | 83rd top |
| Leverage Ratio | 17.13% | 12.46% | +4.67% | 93rd top |
| Equity / Assets | 18.72% | 11.67% | +7.05% | 95th top |
| TCE / Tangible Assets | 17.90% | 11.40% | +6.50% | 95th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 103.08% | 78.63% | +24.45% | 8th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.71% | 87.09% | +1.62% | 48th below |
| Wholesale Funding Ratio | 0.80% | 5.12% | -4.32% | 85th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.54% | 6.48% | -10.02% | 7th bottom |
| Loan Growth (Y/Y) | -5.45% | 7.64% | -13.09% | 7th bottom |
| Deposit Growth (Y/Y) | -0.86% | 6.03% | -6.89% | 19th bottom |
See Bayvanguard Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bayvanguard 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 Bayvanguard Bank profile, how to read a UBPR, or how this data updates.