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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 32527 · MD A · 97/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (97/100)
  • TOP-DECILE #175/4307
  • PHOTO-FINISH First National Bank… · GA
  • TIER1-WELL 21.1% Tier 1
  • TEXAS-CLEAN 1.3% Texas
  • ROA-STRONG 1.61% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Maryland: First National Bank of Coffee County, GA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around BayVanguard Bank

Lowest and highest poles plus nearest scored peers outside Maryland, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100BayVanguard Bank · MD · this…97/100Charlevoix State Bank · MI ·…97/100First National Bank… · GA · …97/100SEI Private Trust Co… · PA ·…97/100The Bank of Milan · TN · near97/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around BayVanguard Bank · July 2026

Call Report read for BayVanguard Bank in a high-failure state

BayVanguard Bank (FDIC Cert #32527) carries a PlainBankData health grade of A at 97/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #175 of 4,307. Tier 1 capital prints at 21.13%, clearing the 10% well-capitalized line. The Texas Ratio is 1.35%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.61%. Balance-sheet scale is $903M, 1,138th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First National Bank of Coffee County (GA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around BayVanguard Bank

10 FAILURE resolutions in Maryland since 2000, heavy vs the state corpus

BayVanguard Bank sits in one of the heavier post-2000 FAILURE states (10 resolutions; latest year 2014). The list below is state history from the Failed Bank List, not a claim about BayVanguard Bank's current Call Report.

  • SLAVIE FEDERAL SAVINGS BANK BEL AIR, MD 2014 → BAY BANK, FSB
  • NBRS FINANCIAL BANK RISING SUN, MD 2014 → HOWARD BANK
  • BANK OF THE EASTERN SHORE CAMBRIDGE, MD 2012

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Maryland banks.

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.

0/100100/100National avg77/10097/100
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 Assets

$903M

Total balance-sheet footings

Total Deposits

$689M

Customer-funded liabilities

Net Loans

$748M

Outstanding loan book

Net Income

$15M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 19.73% 21.13% 22.53%
Basel III capital ratios - BayVanguard Bank

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

97 Top 4% higher than 96% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. BayVanguard Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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.

Capital & credit buffers at BayVanguard Bank

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

What these ratios mean →

Earnings posture at BayVanguard Bank

Return on Assets (ROA)
79th percentile nationally
1.61%
Return on Equity (ROE)
8.02%
Efficiency Ratio
56.02%

What these mean →

Income & expense at BayVanguard Bank

$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.

FDIC Failed Bank List → View BayVanguard Bank on FDIC BankFind →

Top banks in Maryland by total assets

Largest banks headquartered in Maryland
  1. 1
    EagleBank $10.4B

    Bethesda, MD · Grade C

  2. 2
    Forbright Bank $7.9B

    Potomac, MD · Grade B

  3. 3
    Shore United Bank $6.3B

    Easton, MD · Grade B

  4. 4
    CFG Bank $5.7B

    Lutherville, MD · Grade B

  5. 5
    Capital Bank $3.5B

    Rockville, MD · Grade B

Top 5 banks in Maryland ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($903M here), outside Maryland so the neighborhood is not state containment.

Dundee Bank $903M · NE Bogota Savings Bank $903M · NJ Farmers National Bank $902M · IL United Bank & Trust $906M · KS

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.

BayVanguard Bank Call Report profile · FDIC Failed Bank List · Maryland FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Maryland

All Maryland banks →
BankAssetsGradeROA
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%