D
BayVanguard Bank
Rating Date
October 2025
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 7.30
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 1.98%
5-Year Asset Growth 41.46%
5-Year Charge-Offs to Average Loans -0.02%
Charge-Offs to Average Loans -0.01%
Non-Performing Assets to Assets 0.50%
Non-Performing Loans to Capital 2.16%
Non-Performing Loans to Loans 0.60%
Balance Sheet BayVanguard Bank
Sparrows Point, MD
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Total Assets 901.72M
Total Deposits 687.53M
Capital and Reserves BayVanguard Bank
Sparrows Point, MD
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Capital 190.26M
Leverage Ratio 19.97
Loan Loss Reserves to Loans 1.10%
Risk-Based Capital Ratio 26.75
Liquidity BayVanguard Bank
Sparrows Point, MD
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Hot Money Ratio 12.76%
Liquidity Ratio 10.54%
Profitability BayVanguard Bank
Sparrows Point, MD
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5-Year Return on Average Assets 1.44%
Net Income 9.48M
Net Interest Spread 4.40%
Operating Profit to Average Assets 1.89%
Overhead Efficiency Ratio 59.12%
Return on Assets 1.40%
Return on Equity 6.75%