D
BayVanguard Bank
Rating Date
March 2026
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings BayVanguard Bank
Sparrows Point, MD
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Rating D
Asset Quality Index 7.00
Capitalization Index 10.00
Liquidity Index 0.10
Profitability Index 9.10
Stability Index 3.70
Company Info BayVanguard Bank
Sparrows Point, MD
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FDIC Number 32527
Phone Number (410) 477-5000
Website www.bayvanguard.com
Asset Quality BayVanguard Bank
Sparrows Point, MD
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1-Year Asset Growth -0.12%
5-Year Asset Growth 2.32%
5-Year Charge-Offs to Average Loans -0.02%
Charge-Offs to Average Loans -0.01%
Non-Performing Assets to Assets 0.37%
Non-Performing Loans to Capital 1.82%
Non-Performing Loans to Loans 0.45%
Balance Sheet BayVanguard Bank
Sparrows Point, MD
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Total Assets 903.01M
Total Deposits 689.29M
Capital and Reserves BayVanguard Bank
Sparrows Point, MD
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Capital 160.15M
Leverage Ratio 16.44
Loan Loss Reserves to Loans 0.85%
Risk-Based Capital Ratio 22.06
Liquidity BayVanguard Bank
Sparrows Point, MD
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Hot Money Ratio 14.56%
Liquidity Ratio 8.61%
Profitability BayVanguard Bank
Sparrows Point, MD
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5-Year Return on Average Assets 1.44%
Net Income 14.59M
Net Interest Spread 4.46%
Operating Profit to Average Assets 2.23%
Overhead Efficiency Ratio 56.46%
Return on Assets 1.61%
Return on Equity 7.91%