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Bay Bank

Green Bay, WI · Cert 34052 · Bay Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$315.7MAssets
$133.9MLoans
$264.9MDeposits
$31.3MEquity
Loan mix
75%RE $98.2M18%C&I $23.4M7%Consumer $9.5MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $189.2M29%Noninterest $75.7MQ2 2025Q2 2026

NIM

4.36%Q2 ’244.55%Q2 ’254.68%Q2 ’26+4%+5%

Non-interest income vs. expense

2.47%Q2 ’242.54%Q2 ’252.96%Q2 ’26+13%+36%

Market Position · Green Bay, WI · 2026 SOD (annual) · 1.0% share · #11 of 20 inst. · $0.1B of $14.9B

1.1% Brown
100.0% Menominee

Executive Summary

  • Earnings: ROA of 1.14%, down 22 bps year over year; NIM at 3.92%.
  • Asset quality: problem loans at 2.03% of loans (-97 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 11.19%, up 93 bps from a year ago.
  • Funding: loans stand at 50.55% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.14%-22 bps YoY

Net Interest Margin (quarter, annualized)

3.92%+19 bps YoY

Efficiency Ratio (quarter, annualized)

65.44%+947 bps YoY

Tier 1 Leverage Ratio

11.19%+93 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.36%1.25%1.46%1.11%1.14%-22 bps
Return on Equity15.57%13.41%14.91%11.25%11.50%-407 bps
Net Interest Margin3.73%3.85%3.91%3.85%3.92%+19 bps
Efficiency Ratio55.97%56.30%55.38%64.95%65.44%+947 bps
Non-Interest Burden1.73%1.76%1.75%2.31%2.36%+63 bps
Growth
Asset Growth (YoY)13.50%12.98%11.31%1.60%4.23%-928 bps
Loan Growth (YoY)12.46%14.26%11.64%10.75%8.61%-385 bps
Deposit Growth (YoY)10.29%11.16%9.06%-3.64%1.82%-846 bps
Asset Quality
Nonperforming Loans / Loans2.99%2.39%2.36%2.39%2.03%-97 bps
Net Charge-Offs / Loans0.50%1.70%0.05%0.06%0.06%-43 bps
Allowance / Loans2.01%1.77%1.93%1.89%1.89%-12 bps
Allowance Coverage of NPLs0.7x0.7x0.8x0.8x0.9x+0.3x
Capital
Tier 1 Leverage Ratio10.25%10.75%10.77%11.10%11.19%+93 bps
Total Risk-Based Capital22.65%23.44%24.53%23.79%23.56%+91 bps
Equity / Assets9.05%9.59%9.92%9.83%9.92%+87 bps
Liquidity & Funding
Loans / Deposits47.39%49.40%47.51%50.55%50.55%+316 bps
Liquid Assets / Assets9.79%9.67%10.36%9.64%6.37%-342 bps
CRE / Total Capitaln/a164.29%148.28%150.81%n/an/a