Bay Commercial Bank
Walnut Creek, CA — State Member Bank
Active
Net Interest Margin Over Time
| Net Interest Margin | Bay Commercial Bank | All Insured Commercial Banks in California |
| 12-31-2016 | 4.294 | 3.784 |
| 09-30-2016 | 4.28 | 3.79 |
| 06-30-2016 | 4.346 | 3.803 |
| 03-31-2016 | 4.283 | 3.805 |
| 12-31-2015 | 4.03 | 3.756 |
| 09-30-2015 | 4.027 | 3.775 |
| 06-30-2015 | 3.973 | 3.782 |
| 03-31-2015 | 3.747 | 3.757 |
| 12-31-2014 | 3.694 | 3.825 |
| 09-30-2014 | 3.596 | 3.815 |
| 06-30-2014 | 3.442 | 3.815 |
| 03-31-2014 | 3.888 | 3.796 |
| 12-31-2013 | 4.093 | 3.877 |
| 09-30-2013 | 4.026 | 3.893 |
| 06-30-2013 | 3.956 | 3.9 |
| 03-31-2013 | 3.805 | 3.87 |
| 12-31-2012 | 4.379 | 4.052 |
| 09-30-2012 | 4.55 | 4.084 |
| 06-30-2012 | 4.471 | 4.092 |
| 03-31-2012 | 4.195 | 4.079 |
| 12-31-2011 | 3.796 | 4.087 |
| 09-30-2011 | 4.791 | 4.096 |
| 06-30-2011 | 4.66 | 4.111 |
| 03-31-2011 | 4.585 | 4.074 |
| 12-31-2010 | 4.395 | 4.047 |
| 09-30-2010 | 4.475 | 4.05 |
| 06-30-2010 | 4.584 | 4.04 |
| 03-31-2010 | 4.555 | 4.004 |
| 12-31-2009 | 3.466 | 3.861 |
| 09-30-2009 | 3.448 | 3.794 |
| 06-30-2009 | 3.381 | 3.736 |
| 03-31-2009 | 3.509 | 3.667 |
| 12-31-2008 | 3.702 | 4.048 |
| 09-30-2008 | 3.771 | 4.13 |
| 06-30-2008 | 3.849 | 4.191 |
| 03-31-2008 | 4.104 | 4.248 |
| 12-31-2007 | 4.797 | 4.737 |
| 09-30-2007 | 4.819 | 4.769 |
| 06-30-2007 | 4.631 | 4.788 |
| 03-31-2007 | 4.482 | 4.777 |
| 12-31-2006 | 5.244 | 5.042 |
| 09-30-2006 | 5.535 | 5.071 |
| 06-30-2006 | 5.513 | 5.04 |
| 03-31-2006 | 5.35 | 4.977 |
| 12-31-2005 | 4.735 | 4.944 |
| 09-30-2005 | 4.74 | 4.892 |
| 06-30-2005 | 4.8 | 4.815 |
| 03-31-2005 | 4.557 | 4.71 |
| 12-31-2004 | 3.005 | 4.519 |
| 09-30-2004 | 1.809 | 4.468 |
| 06-30-2004 | 4.455 | |
| 03-31-2004 | 4.465 | |
| 12-31-2003 | 4.433 | |
| 09-30-2003 | 4.467 | |
| 06-30-2003 | 4.53 | |
| 03-31-2003 | 4.564 | |
| 12-31-2002 | 4.72 |