Bayvanguard Bank
Sparrows Point, MD · Cert 32527 · Peer group: banks under $1B in assets (n=581-629) · BV Financial Inc.
State charter, non-member · FDIC · 12 branches
Q2 2026
$868.7MAssets
$710.4MLoans
$689.1MDeposits
$162.6MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 86% of banks under $1B in assets (rank 85 of 629).
- Widest gap: return on equity trails 74% of banks under $1B in assets (rank 467 of 629).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.04%
Rank 306 of 629
Net Interest Margin
4.17%
Rank 121 of 629
Efficiency Ratio
66.46%
Rank 284 of 629
Equity / Assets
18.72%
Rank 85 of 629
Non-interest income vs. expense
Unfavorable gap of $23.7M · efficiency ratio beats 55% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.04% | 0.60% | 1.01% | 1.45% | Beats 51% | 306 / 629 | |
| Return on Equity | 5.53% | 5.38% | 9.30% | 13.28% | Beats 26% | 467 / 629 | |
| Net Interest Margin | 4.17% | 3.03% | 3.54% | 4.05% | Beats 81% | 121 / 629 | |
| Efficiency Ratio | 66.46% | 58.35% | 67.79% | 79.08% | Beats 55% | 284 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.48% | 0.09% | 0.46% | 1.20% | Beats 49% | 299 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 67% | 195 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 22.40% | 11.24% | 13.84% | 18.77% | Beats 81% | 118 / 629 | |
| Total Risk-Based Capital Ratio | 23.34% | 11.58% | 14.43% | 19.66% | Beats 82% | 116 / 629 | |
| Equity / Assets | 18.72% | 9.09% | 10.65% | 13.80% | Beats 86% | 85 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 103.08% | 67.24% | 80.90% | 93.48% | 90th pctl | 62 / 594 | |
| Loans / Assets | 81.77% | 53.31% | 67.71% | 78.15% | 86th pctl | 91 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |