Total Assets
$169M
Total balance-sheet footings
FDIC Cert #1092 · Gladstone, Michigan · Est. 1912
Baybank - FDIC Bank Health Profile
A community-scale look at Baybank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $169M
- Total assets
- B
- Health grade · Good
- 1.43%
- Return on assets
- 10.6%
- Tier 1 capital
Data updated July 2026
The verdict
Baybank earns a PlainBankData health grade of B (72/100), with well-capitalized at 10.62% Tier 1, profitable at 1.43% ROA, 61% efficiency ratio.
- #3,225
- largest of 4,313 FDIC banks by assets
- 25th
- percentile by asset size, nationally
- 10.62%
- Tier 1 ratio - above the 10% well-capitalized line
- 71st
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Baybank's 72/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Baybank's composite health score
Tier 1 Capital Ratio (10.62%) 28/40
Return on Assets (ROA) (1.43%) 20/25
Texas Ratio (10.68%) 16/20
Efficiency Ratio (60.82%) 8/15
72 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$144M
Customer-funded liabilities
Net Loans
$127M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Baybank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Baybank's score of 72/100 falls in the highlighted band.
Baybank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Baybank's $169M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.62% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.62%
Texas Ratio
10.68%
Equity Capital
$17M
Profitability metrics
Return on Assets (ROA)
71st percentile nationally
1.43%
Return on Equity (ROE)
15.35%
Efficiency Ratio
60.82%
What the numbers say about Baybank
Baybank is an FDIC-insured institution (Certificate #1092) headquartered in Gladstone, Michigan, established in 1912. It holds $169M in total assets - 3,225th of 4,313 FDIC-insured banks, $144M in customer deposits, and $127M in net loans. Its capital position: a Tier 1 ratio of 10.62%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 10.68% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (72 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Baybank sits 57th of 73 banks headquartered in Michigan by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$10M
Interest Income
$858K
Non-Interest Income
$5M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Baybank reports a Texas Ratio of 10.68% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
10.68% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Michigan by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Baybank (FDIC Cert #1092) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Michigan
All Michigan banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Northpointe BankGrand Rapids | $7.0B | B | 1.39% |
| First National Bank of AmericaEast Lansing | $6.7B | A | 2.94% |
| Mercantile BankGrand Rapids | $6.2B | A | 1.61% |
| Independent BankGrand Rapids | $5.5B | B | 1.33% |
| ChoiceOne BankSparta | $4.4B | B | 0.79% |
| Macatawa Bank, National AssociationHolland | $3.7B | A | 1.39% |
| Bank of Ann ArborAnn Arbor | $3.3B | A | 1.72% |
| Isabella BankMount Pleasant | $2.2B | B | 1.02% |
Frequently asked questions
What is Baybank's health grade?▼
Baybank receives a health grade of B (72/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Baybank?▼
Baybank holds $169M in total assets and $144M in deposits, ranking 3,225th of 4,313 FDIC-insured banks by asset size. It is headquartered in Gladstone, Michigan.
Is my money safe at Baybank?▼
Yes, deposits at Baybank (Certificate #1092) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Baybank's Tier 1 Capital Ratio?▼
Baybank has a Tier 1 Capital Ratio of 10.62%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Baybank?▼
Baybank has a Texas Ratio of 10.68%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Baybank?▼
Baybank has an Efficiency Ratio of 60.82%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Baybank's profile as a depositor or analyst.
- Baybank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Baybank against other Michigan banks before moving funds. Michigan banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.