Vitals
  • Total Assets
    620.3M 26.3 %
  • Total Deposits
    526.7M 43.3 %
  • Total Net Loans
    485.9M 22.6 %
  • Net Income
    1.9M -7.4 %
  • Book Value
    65.2M -4.0 %
  • Book Value x2
    130.4M -4.0 %
  • Book Value x3
    195.5M -4.0 %
ROAA

.39

ROAE

2.835

Efficiency Ratio

86.603

Net Interest Margin

4.203

Balance Sheet Highlights
Financial Highlights Bay Bank, Fsb All Insured Savings Banks in Maryland
Balance Sheet $(000)
Total Assets 620,316 301,352
Total Net Loans 485,894 213,593
Total Deposits 526,679 241,483
Total Equity 65,375 44,672
Profitability
Net Income 1,920 2,152
Return on Average Assets .39 .432
Return on Average Equity 2.835 3.058
Net Interest Margin 4.203 3.292
Efficiency Ratio 86.603 86.153
Noninterest Income/Revenue 26.385 18.681
Balance Sheet Ratios
Loan-to-Deposit 92.256 87.022
Securities/Assets .099 .13
Total Equity/Total Assets .105 .148
Tangible Equity/Tangible Assets .1 .146
Capital Adequacy
Tier 1 Common Capital 63,044 43,576
Tier 1 Capital 63,044 43,602
Tier 2 Capital 2,826 1,769
Total Capital 65,870 45,371
Total Risk Weighted Assets 512,270 186,418
Leverage Ratio 10.45 14.727
Common Equity Tier 1 Capital Ratio 12.31 28.083
Tier 1 Capital Ratio 12.31 28.091
Total Capital Ratio 12.86 29.015

Timeline for Bay Bank, Fsb

Hopkins Federal Savings Bank

Acquisition: Bay Bank, Fsb acquired a new subsidiary, Hopkins Federal Savings Bank, 7 years

View Profile Jul 09 2016

Ireverse Home Loans, Llc

Ireverse Home Loans, Llc became a new subsidiary organization for Bay Bank, Fsb.

View Profile Jul 09 2016

Hopkins Properties, Inc.

Hopkins Properties, Inc. became a new subsidiary organization for Bay Bank, Fsb.

View Profile Jul 09 2016

Hopkins Financial Corporation

Hopkins Financial Corporation became a new subsidiary organization for Bay Bank, Fsb.

View Profile Jul 09 2016

Encore Mortgage, Inc.

Encore Mortgage, Inc. became a new subsidiary organization for Bay Bank, Fsb.

View Profile Jul 09 2016

Want to see more?

Complete timeline for Bay Bank, Fsb is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Hopkins Federal Savings Bank Seller 223,510 Acquisition Discontinued 7/9/2016
Slavie Federal Savings Bank Seller 140,063 Failure 5/31/2014
Carrollton Bank Seller 364,203 Acquisition Discontinued 4/20/2013
Bay National Bank Seller 217,743 Failure 7/10/2010
Relationships Role Relationship Start Relationship End
Bay Bancorp, Inc. Parent 4/20/2013
Jefferson Bancorp, Inc. Parent 7/21/2011 4/19/2013
Jefferson Bancorp, Inc. Parent 7/10/2010 7/20/2011
Bay Financial Services, Inc. Subsidary 4/20/2013
Carrollton Community Development Corporation Subsidary 4/20/2013
Ireverse Home Loans, Llc Subsidary 7/9/2016
Hopkins Properties, Inc. Subsidary 7/9/2016
Hopkins Financial Corporation Subsidary 7/9/2016
Encore Mortgage, Inc. Subsidary 7/9/2016
Similar Organizations
Organization City State Total Assets
Iroquois Federal Savings And Loan Association
 		Watseka IL 588.4M
Somerset Savings Bank, Sla
 		Bound Brook NJ 572.0M
Time Federal Savings Bank
 		Medford WI 613.4M
Affiliated Bank
 		Bedford TX 616.5M
American Federal Bank
 		Fargo ND 554.9M
Axiom Bank
 		Maitland FL 634.2M
First Federal Savings Bank Of Twin Falls
 		Twin Falls ID 586.6M
Huntington Federal Savings Bank
 		Huntington WV 546.7M
Rollstone Bank & Trust
 		Fitchburg MA 585.6M
Presidential Bank, Fsb
 		Bethesda MD 594.9M