Is Bay Bank Safe?
Bay Bank has a Bank Health Score of 94/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while loan quality is its weakest area (82/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 21.21% | 100/100 |
| Nonperforming Loan Ratio | 0.89% | 82/100 |
| Liquidity Ratio | 54.70% | 100/100 |
| Return on Assets | 1.90% | 96/100 |
| Total Assets | $0.3B | |
How does Bay Bank compare?
With a Bank Health Score of 94/100, Bay Bank sits 24.0 points above the national average of 70/100 for FDIC-insured banks. Within Wisconsin, where 141 FDIC-insured banks are headquartered, Bay Bank ranks above the state average of 67/100 (Grade B).
The bank's Tier 1 capital ratio of 21.21% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.89% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Bay Bank's Bank Health Score improved by 1.0 points to 94/100. Tier 1 capital weakened by 0.41 percentage points to 21.21%. Quarter-over-quarter, the score fell by 4.0 points.
Bay Bank has a Bank Health Score of 94/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while loan quality is its weakest area (82/100).