Baybank

BankGladstone, Michigan
http://baybank.us

Total Assets

$168.8M

Total Deposits

$143.8M

Branches

3

Established

1912

TFS Health Grade

$
D+

68.8 / 100

Below average financial health

How we grade

Baybank is a bank headquartered in Gladstone, Michigan, established in 1912. With $168.8M in total assets and 3 branch locations, it has a TFS Financial Health Grade of D+ (68.8/100).

Capital & Safety

Tier 1 Capital Ratio
10.62%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
1.54%

Profitability

Return on Assets (ROA)
1.43%(1%)
Return on Equity (ROE)
15.35%(10%)
Net Interest Margin
4.63%
Efficiency Ratio
60.82%(60%)

Lending & Liquidity

Total Loans
$129.1M
Loan-to-Deposit Ratio
88.42%
Net Charge-Off Ratio
0.03%

Growth

Asset Growth (YoY)
+5.81%
Deposit Growth (YoY)
+1.99%
Net Income
$2.4M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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