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Bayvanguard Bank
Baltimore, MD · FDIC Certificate #32527 · Chartered 09/0
Total assets
$868.71M
Total deposits
$689.12M
Total equity
$162.59M
Net loans
$704.16M
Branches (offices)
12
Net income (YTD)
$4.50M
Rank: #1,173 of 4,213 U.S. banks by assets · #12 of 27 in Maryland. Assets changed -3.5% and deposits -0.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.01% |
| Return on equity | 5.57% |
| Net interest margin (YTD) | 4.45% |
| Equity to assets | 18.72% |
| Tier 1 leverage ratio | 17.13% |
| Uninsured deposits (share of deposits) | 20.7% |
| Noncurrent loans (share of loans) | 0.48% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 102.2% |
| Real estate loans (share of loans) | 95.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $673.52M | 95.6% | |
| Commercial & industrial | $16.20M | 2.3% | |
| Consumer / individual | $13.18M | 1.9% | |
| Construction & development | $27.90M | 4.0% | |
| Agricultural | $350.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $849.86M | $722.84M | $6.06M | $117.53M |
| Jun 2023 | $912.12M | $730.50M | $7.93M | $128.83M |
| Jun 2024 | $888.37M | $691.26M | $7.04M | $179.85M |
| Jun 2025 | $900.57M | $695.13M | $5.43M | $187.96M |
| Jun 2026 | $868.71M | $689.12M | $4.50M | $162.59M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Maryland | $689.12M | 12 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $689.12M.
Similar-sized banks
Hawaii National Bank ($871.70M) · Liberty Bank For Savings ($868.65M)
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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