Bay Bank


2555 Packerland Drive
Green Bay, WI 54313
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 0.85% →
1-Year CD 0.55% 0.75% →
2-Year CD 0.70% 0.80% →
5-Year CD 1.10% 1.10% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Bay Bank is an FDIC insured institution located in Green Bay, WI. It was founded in 1995 and has approximately $0.2 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 34052
Date Established 1995
Assets $ 204.06 million
Loans $ 79.02 million
Deposits $ 183.22 million
Capital $ 17.37 million

For a more detailed analysis of Bay Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 15, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
0.10% $1 - Learn More
Money Market
0.10% $1 $9,999 Learn More
Money Market
0.15% $10,000 $24,999 Learn More
Money Market
0.20% $25,000 - Learn More
6 Mo CD
0.45% $500 - Learn More
12 Mo CD
0.55% $500 - Learn More
24 Mo CD
0.70% $500 - Learn More
36 Mo CD
0.80% $500 - Learn More
48 Mo CD
0.85% $500 - Learn More
60 Mo CD
1.10% $500 - Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.05% $500 - Learn MoreShow Less

Loan Rates - October 15, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Bay Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
2.820% 2.750%
0.88 points
$2,268 fees
$1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to Bay Bank
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Climate Initiatives

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Financial Details

Bay Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bay Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bay Bank U.S. Bank Average
2.69% 4.78%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2021, Bay Bank had $511,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $17,367,000 in equity and $1,597,000 in loans loss reserves. That gives it a Texas Ratio of 2.69%.

Return on Equity
Bay Bank U.S. Bank Average
8.91% 11.29%

Bay Bank has a Return on Equity of 8.91% versus the BestCashCow average of 11.29%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Bay Bank U.S. Bank Average
8.51% 11.72%

Bay Bank has a Capitalization of 8.51% versus the BestCashCow average of 11.72. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bay Bank Balance Sheet Analysis

As of June 30, 2021, Bay Bank had assets of $204,055,000, loans of $79,017,000, and deposits of $183,218,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2021
Cash & Balances due from depository institutions $ 17.29 million
Interest-bearing balances $ 10.90 million
Total securities $ 45.58 million
Federal funds sold and reverse repurchase $ 53.47 million
Net loans and leases $ 79.02 million
Loan loss allowance $ 1.60 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 0.61 million
All other assets $ 6.02 million
     Total Assets $ 186.69 million
Total deposits $ 183.22 million
      Interest-bearing deposits $ 128.82 million
      Deposits held in domestic offices $ 183.22 million
      % insured (estimated) 33.13%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 1.20 million
Subordinated debt N.A.
All other liabilities $ 2.27 million
      Total Liabilities $ 186.69 million
      Shareholders’ Equity $ 17.37 million

Summary Income Statement

June 30, 2021
Total Interest Income $ 2.62 million
Total Interest Expense $ 0.13 million
Net interest income $ 2.49 million
Provision for loan and lease losses N.A.
Total non interest income $ 1.09 million
Total non interest expense $ 2.57 million
Pre-tax Net Operating Income $ 1.01 million

Bank Loan Profile?

The top three loan types in Bay Bank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and Small Business Loans.

Compared to other banks in Wisconsin, Bay Bank has a significantly higher percent of Consumer Auto Loans, Small Business Loans, Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 19.16
Credit Card Loans 0.61
Consumer Auto Loans 5.35
Small Business Loans 24.97
Construction and Development Loans 4.57
Commercial Real Estate 38.38
Commercial and Industrial Loans 30.06
Farm Loans 0.01

Frequently Asked Questions About Bay Bank

Branches and Savings

Is Bay Bank FDIC insured?

Yes. It is covered under FDIC Certificate #34052.

Why does Bay Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Bay Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Bay Bank a commercial bank?


Where are Bay Bank locations?

See branch locations nearby.

Is Bay Bank open on Saturdays?

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Are Bay Bank ATMs Open 24/7?

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Does Bay Bank require US citizenship to open account?

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Does Bay Bank offer mortgages?

Compare mortgage rates here.

Does Bay Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bay Bank offer personal loans?

Compare personal loan rates here.

Does Bay Bank offer student loans?

Will Bay Bank cash a check?

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Background on The Bank

Who owns Bay Bank?

How long has Bay Bank been around?

Can Bay Bank transfer to other banks?

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