Bay Bank
Green Bay, WI · Cert 34052 · Peer group: banks under $1B in assets in WI (n=110-113) · Bay Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$315.7MAssets
$133.9MLoans
$264.9MDeposits
$31.3MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 89% of banks under $1B in assets in WI (rank 12 of 113).
- Widest gap: net charge-offs / loans trails 91% of banks under $1B in assets in WI (rank 101 of 110).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.11%
Rank 63 of 113
Net Interest Margin
3.85%
Rank 35 of 113
Efficiency Ratio
65.20%
Rank 67 of 113
Equity / Assets
9.92%
Rank 71 of 113
Non-interest income vs. expense
Unfavorable gap of $7.3M · efficiency ratio beats 42% of banks under $1B in assets in WI | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.11% | 0.85% | 1.17% | 1.51% | Beats 44% | 63 / 113 | |
| Return on Equity | 11.21% | 7.70% | 10.77% | 13.67% | Beats 51% | 55 / 113 | |
| Net Interest Margin | 3.85% | 3.19% | 3.59% | 3.89% | Beats 69% | 35 / 113 | |
| Efficiency Ratio | 65.20% | 54.61% | 62.43% | 71.88% | Beats 42% | 67 / 113 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.03% | 0.03% | 0.24% | 0.91% | Beats 11% | 99 / 110 | |
| Net Charge-Offs / Loans | 0.06% | n/a | 0.00% | 0.01% | Beats 9% | 101 / 110 | |
| Capital |
| Tier 1 Capital Ratio | 22.31% | 11.22% | 12.95% | 15.76% | Beats 89% | 12 / 113 | |
| Total Risk-Based Capital Ratio | 23.56% | 11.57% | 13.59% | 16.73% | Beats 89% | 12 / 113 | |
| Equity / Assets | 9.92% | 9.17% | 10.74% | 13.13% | Beats 37% | 71 / 113 | |
| Liquidity & Funding |
| Loans / Deposits | 50.55% | 76.54% | 86.37% | 98.93% | 4th pctl | 108 / 112 | |
| Loans / Assets | 42.42% | 63.07% | 71.33% | 78.84% | 4th pctl | 108 / 113 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |