Gladstone, MI · Cert 1092 · Baybank Corp.
State charter, non-member · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
24
Asset Quality
22
Profitability
71
Liquidity
29
Efficiency
46
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Gladstone, MI · Cert 1092 · Baybank Corp.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.12% | 1.15% | 1.24% | 1.30% | 1.40% | 1.43% | 1.41% | 1.23% | -7 bps | |
| Return on Equity | 13.50% | 13.76% | 14.03% | 14.53% | 15.24% | 15.35% | 14.31% | 12.41% | -212 bps | |
| Net Interest Margin | 3.87% | 3.84% | 3.86% | 4.00% | 4.13% | 4.21% | 4.42% | 4.46% | +47 bps | |
| Efficiency Ratio | 67.08% | 65.35% | 62.65% | 62.64% | 61.51% | 60.82% | 61.10% | 65.93% | +329 bps | |
| Non-Interest Burden | 2.44% | 2.30% | 2.23% | 2.32% | 2.35% | 2.36% | 2.52% | 2.79% | +47 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.76% | 2.02% | 6.82% | 6.53% | 6.00% | 5.81% | 5.77% | 5.04% | -149 bps | |
| Loan Growth (YoY) | 7.28% | 5.35% | 4.44% | 9.86% | 6.26% | 6.89% | 7.38% | 7.11% | -275 bps | |
| Deposit Growth (YoY) | 2.25% | 2.01% | 7.04% | 6.28% | 5.26% | 1.99% | 1.01% | 0.44% | -583 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.94% | 1.33% | 0.99% | 1.12% | 0.85% | 1.54% | 1.58% | 2.02% | +89 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.04% | 0.02% | 0.03% | 0.03% | 0.03% | 0.07% | 0.06% | +2 bps | |
| Allowance / Loans | 1.29% | 1.46% | 1.45% | 1.41% | 1.43% | 1.46% | 1.45% | 1.44% | +3 bps | |
| Allowance Coverage of NPLs | 0.7x | 1.1x | 1.5x | 1.3x | 1.7x | 0.9x | 0.9x | 0.7x | -0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.92% | 9.92% | 9.98% | 10.13% | 10.37% | 10.62% | 10.77% | 10.71% | +58 bps | |
| Total Risk-Based Capital | 9.92% | 9.92% | 9.98% | 10.13% | 10.37% | 10.62% | 10.77% | 10.71% | +58 bps | |
| Equity / Assets | 8.93% | 8.74% | 8.91% | 9.26% | 9.74% | 9.91% | 9.82% | 10.00% | +74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.40% | 85.62% | 84.37% | 87.96% | 89.24% | 89.73% | 89.69% | 93.80% | +584 bps | |
| Liquid Assets / Assets | 1.28% | 3.85% | 4.67% | 1.72% | 2.15% | 3.74% | 5.19% | 2.23% | +50 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 202% | 204% | 208% | n/a | n/a | |
Gladstone, MI · Cert 1092 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Baybank Corp.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
1.22%
Rank 284 of 746
Net Interest Margin
4.46%
Rank 104 of 746
Efficiency Ratio
65.93%
Rank 404 of 746
Equity / Assets
10.00%
Rank 429 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.22% | 0.72% | 1.06% | 1.45% | Beats 62% | 284 / 746 | ||
| Return on Equity | 12.23% | 6.74% | 10.51% | 13.63% | Beats 65% | 260 / 746 | ||
| Net Interest Margin | 4.46% | 3.17% | 3.68% | 4.16% | Beats 86% | 104 / 746 | ||
| Efficiency Ratio | 65.93% | 55.74% | 64.58% | 75.47% | Beats 46% | 404 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.02% | 0.09% | 0.42% | 1.07% | Beats 12% | 656 / 743 | ||
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.05% | Beats 32% | 508 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.71% | 11.55% | 13.75% | 17.60% | Beats 16% | 625 / 746 | ||
| Total Risk-Based Capital Ratio | 10.71% | 11.71% | 14.33% | 18.43% | Beats 15% | 633 / 746 | ||
| Equity / Assets | 10.00% | 8.90% | 10.51% | 13.06% | Beats 42% | 429 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 93.80% | 61.31% | 78.27% | 90.78% | 81st pctl | 142 / 746 | ||
| Loans / Assets | 78.89% | 53.60% | 66.97% | 76.08% | 82nd pctl | 131 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||