Baybank
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
$173.4MAssets
$136.8MLoans
$145.8MDeposits
$17.3MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 86% of banks under $1B in assets operating in a single state (rank 104 of 746).
- Widest gap: nonperforming loans / loans trails 88% of banks under $1B in assets operating in a single state (rank 656 of 743).
- Overall: at or above the peer median on 3 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $4.9M · efficiency ratio beats 46% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |