Total Assets
$903M
Total balance-sheet footings
FDIC Cert #32527 · Baltimore, Maryland · Est. 1873
BayVanguard Bank - FDIC Bank Health Profile
A community-scale look at BayVanguard Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $903M
- Total assets
- A
- Health grade · Excellent
- 1.61%
- Return on assets
- 21.1%
- Tier 1 capital
Data updated July 2026
The verdict
BayVanguard Bank earns a PlainBankData health grade of A (97/100), with well-capitalized at 21.13% Tier 1, profitable at 1.61% ROA, efficient (56% cost ratio).
- #1,138
- largest of 4,313 FDIC banks by assets
- 74th
- percentile by asset size, nationally
- 21.13%
- Tier 1 ratio - above the 10% well-capitalized line
- 79th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How BayVanguard Bank's 97/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
BayVanguard Bank's composite health score
Tier 1 Capital Ratio (21.13%) 40/40
Return on Assets (ROA) (1.61%) 25/25
Texas Ratio (1.35%) 20/20
Efficiency Ratio (56.02%) 12/15
97 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$689M
Customer-funded liabilities
Net Loans
$748M
Outstanding loan book
Net Income
$15M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where BayVanguard Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. BayVanguard Bank's score of 97/100 falls in the highlighted band.
BayVanguard Bank'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). BayVanguard Bank's $903M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
21.13% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
21.13%
Texas Ratio
1.35%
Equity Capital
$160M
Profitability metrics
Return on Assets (ROA)
79th percentile nationally
1.61%
Return on Equity (ROE)
8.02%
Efficiency Ratio
56.02%
What the numbers say about BayVanguard Bank
BayVanguard Bank is an FDIC-insured institution (Certificate #32527) headquartered in Baltimore, Maryland, established in 1873. It holds $903M in total assets - 1,138th of 4,313 FDIC-insured banks, $689M in customer deposits, and $748M in net loans. On safety, its Tier 1 capital ratio of 21.13% is above the 10% well-capitalized threshold, and its Texas Ratio of 1.35% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (97/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Maryland, BayVanguard Bank ranks 11th of 28 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$50M
Interest Income
$3M
Non-Interest Income
$23M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. BayVanguard Bank reports a Texas Ratio of 1.35% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.35% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Maryland by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) BayVanguard Bank (FDIC Cert #32527) - 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 Maryland
All Maryland banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| EagleBankBethesda | $10.4B | C | -1.20% |
| Forbright BankPotomac | $7.9B | B | 1.35% |
| Shore United Bank, National AssociationEaston | $6.3B | B | 1.08% |
| CFG BankLutherville | $5.7B | B | 1.43% |
| Capital Bank, National AssociationRockville | $3.5B | B | 1.51% |
| First United Bank & TrustOakland | $2.1B | A | 1.27% |
| Rosedale BankNottingham | $1.3B | B | 0.18% |
| Middletown Valley BankMiddletown | $1.1B | B | 0.90% |
Frequently asked questions
What is BayVanguard Bank's health grade?▼
BayVanguard Bank receives a health grade of A (97/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is BayVanguard Bank?▼
BayVanguard Bank holds $903M in total assets and $689M in deposits, ranking 1,138th of 4,313 FDIC-insured banks by asset size. It is headquartered in Baltimore, Maryland.
Is my money safe at BayVanguard Bank?▼
Yes, deposits at BayVanguard Bank (Certificate #32527) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is BayVanguard Bank's Tier 1 Capital Ratio?▼
BayVanguard Bank has a Tier 1 Capital Ratio of 21.13%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for BayVanguard Bank?▼
BayVanguard Bank has a Texas Ratio of 1.35%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is BayVanguard Bank?▼
BayVanguard Bank has an Efficiency Ratio of 56.02%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read BayVanguard Bank's profile as a depositor or analyst.
- BayVanguard Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare BayVanguard Bank against other Maryland banks before moving funds. Maryland 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.