Bayvanguard Bank
Baltimore, Maryland · FDIC Cert #32527
This is the FDIC profile for Bayvanguard Bank, an FDIC-insured bank (Certificate #32527) with $888M in total assets and $691M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Baltimore, Maryland, the bank maintains a Tier 1 capital ratio of 24.22% (Well-Capitalized) and a nonperforming loan ratio of 1.17%. BankHealthData assigns a composite Health Grade of B (78/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bayvanguard Bank (FDIC cert 32527) is a community bank — $888M in total assets, $691M in deposits, serving the Baltimore, Maryland area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 24.22% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.17% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 15.0% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is strong: return on assets of 2.19% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Bayvanguard Bank carries a composite BankHealth grade of B (78/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Bayvanguard Bank
- Total Assets
- $888M
- Total Deposits
- $691M
- Tier 1 Capital Ratio
- 24.22%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.17%
- Liquidity Ratio
- 15.05%
- Return on Assets
- 2.19%
- Headquarters
- Baltimore, Maryland
- FDIC Certificate
- #32527
- Health Grade
- B (78/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Bayvanguard Bank files quarterly Call Reports with the FDIC under Certificate #32527. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Bayvanguard Bank holds a Tier 1 capital ratio of 24.22%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Bayvanguard Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Bayvanguard Bank shows strong financial health indicators. With $888M in assets and a Health Score of 78/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
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.
How Bayvanguard Bank Compares
Bayvanguard Bank’s Health Score of 78 is 1 points above the Maryland state average of 77 across 28 FDIC-insured banks. Its 24.22% Tier 1 capital ratio is 10.2 points above the US banking industry average near 14%. The 1.17% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 2.19% is in line with or above the national ROA benchmark of ~1.1%. Among 1114 similarly-sized banks, the average Health Score is 78, meaning this bank ranks above its size cohort. Site-wide, Bayvanguard Bank is 2 points below the portfolio average of 80.
Frequently Asked Questions
Bayvanguard Bank has a Bank Health Score of B (78/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 24.22%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Bayvanguard Bank's Tier 1 capital ratio of 24.22% and nonperforming loan ratio of 1.17% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Bayvanguard Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #32527). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Bayvanguard Bank holds $888M in total assets and $691M in total deposits. It is headquartered in Baltimore, Maryland (FDIC Certificate #32527).
Bayvanguard Bank's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #32527 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Bayvanguard Bank has a Tier 1 capital ratio of 24.22%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.17%, and the return on assets is 2.19%.
Yes. Bayvanguard Bank is FDIC-insured (Certificate #32527). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Bayvanguard Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.