BAYBANK
GLADSTONE, MICHIGAN · FDIC Cert #1092
Capital & Safety Analysis
According to FDIC financial data, BAYBANK holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject BAYBANK to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
BAYBANK shows some financial weakness with a Health Score of 42/100. This does not mean the bank will fail, but some financial indicators are below average. Your FDIC-insured deposits (up to $250,000) are fully protected by the US government.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
BAYBANK has a Bank Health Score of D (42/100). It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
BAYBANK holds $155M in total assets and $137M in total deposits. It is located in GLADSTONE, MICHIGAN (FDIC Certificate #1092).
BAYBANK has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." The nonperforming loan ratio is 1.84%, and the return on assets is 1.33%.
Yes. BAYBANK is FDIC-insured (Certificate #1092). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.