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Baybank
Gladstone, MI · FDIC Certificate #1092 · Chartered 07/0
Total assets
$173.38M
Total deposits
$145.83M
Total equity
$17.34M
Net loans
$134.81M
Branches (offices)
3
Net income (YTD)
$1.06M
Rank: #3,158 of 4,213 U.S. banks by assets · #58 of 72 in Michigan. Assets changed 5.0% and deposits 0.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.23% |
| Return on equity | 12.41% |
| Net interest margin (YTD) | 4.81% |
| Equity to assets | 10.00% |
| Tier 1 leverage ratio | 10.71% |
| Uninsured deposits (share of deposits) | 19.6% |
| Noncurrent loans (share of loans) | 2.02% |
| Net charge-offs (share of loans) | 0.06% |
| Loans to deposits | 92.4% |
| Real estate loans (share of loans) | 69.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $93.75M | 69.5% | |
| Commercial & industrial | $23.68M | 17.6% | |
| Consumer / individual | $19.16M | 14.2% | |
| Construction & development | $6.82M | 5.1% | |
| Agricultural | $120.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $133.37M | $118.39M | $784.00K | $10.51M |
| Jun 2023 | $146.57M | $129.28M | $670.00K | $11.21M |
| Jun 2024 | $154.95M | $136.61M | $831.00K | $12.96M |
| Jun 2025 | $165.06M | $145.18M | $1.06M | $15.29M |
| Jun 2026 | $173.38M | $145.83M | $1.06M | $17.34M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Michigan | $145.83M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $145.83M.
Similar-sized banks
The Goose River Bank ($173.43M) · Dewitt Savings Bank ($173.23M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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