Bay Bank

2555 Packerland Drive
Green Bay, WI 54313


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 34052
Date Established 1995
Assets $0.10 billion
Loans $0.06 billion
Deposits $0.07 billion
Capital $0.01 billion

Bay Bank is an FDIC insured institution located in Green Bay, WI. It was founded in 1995 and has approximately $0.1 billion in assets. Customers can open an account at one of its 2 branches.

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.

Bank Loan Profile?

The top three loan types in Bay Bank’s loan portfolio are Commercial Real Estate, Small Business Loans, and 1-4 Family Residential Loans.

Compared to other banks in Wisconsin, Bay Bank has a significantly higher percent of Consumer Auto Loans, Small Business 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 26.68
Credit Card Loans 0.82
Consumer Auto Loans 5.84
Small Business Loans 38.94
Construction and Development Loans 3.37
Commercial Real Estate 38.94
Commercial and Industrial Loans 18.53
Farm Loans 0.16

Deposit Rates - June 20, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Money Market
0.25% $1 $9,999 Learn MoreShow Less
Money Market
0.40% $10,000 $24,999 Learn MoreShow Less
Money Market
0.50% $25,000 - Learn MoreShow Less
3 Mo CD
0.35% $500 - Learn MoreShow Less
6 Mo CD
0.90% $500 - Learn MoreShow Less
12 Mo CD
1.65% $500 - Learn MoreShow Less
24 Mo CD
2.00% $500 - Learn MoreShow Less
36 Mo CD
2.10% $500 - Learn MoreShow Less
48 Mo CD
2.20% $500 - Learn MoreShow Less
60 Mo CD
2.40% $500 - Learn MoreShow Less

Fixed IRA
1.65% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $500 - Learn MoreShow Less

Loan Rates - June 20, 2019

Your Current Location: Washington, WA 98109

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 - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
4.500% 4.500% 0.00 $0 $1,267 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info
Figure Home Equity Line
Figure Home Equity Line
5.490 %
N/A Learn More
More Info

Note to Bay Bank
To upload and update your bank's rates please register. It is free to register and add rates.


Bay Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Bay Bank Locations

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
3.21% 6.97%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 December 31, 2018, Bay Bank had $382,000 in non-current loans and $114,000 in owned real estate. To cover these potential losses it had $13,807,000 in equity and $1,656,000 in loans loss reserves. That gives it a Texas Ratio of 3.21%.

Return on Equity
Bay Bank U.S. Bank Average
10.52% 8.80%

Bay Bank has a Return on Equity of 10.52% versus the BestCashCow average of 8.80%. 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
14.49% 12.29%

Bay Bank has a Capitalization of 14.49% versus the BestCashCow average of 12.29. 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 December 31, 2018, Bay Bank had assets of $95,272,000, loans of $59,902,000, and deposits of $74,717,000. 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

December 31, 2018
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.06 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.08 billion
Total deposits $0.07 billion
      Interest-bearing deposits $0.06 billion
      Deposits held in domestic offices $0.07 billion
      % insured (estimated) 55.30%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.08 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

December 31, 2018
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

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?

Is Bay Bank open on Sundays?

What time does Bay Bank open?

What time does Bay Bank close?

Are Bay Bank ATMs Open 24/7?

Do Bay Bank ATMs accept cash deposits?

Can Bay Bank customers use other ATMs?

Do Bay Bank branches have notaries?

Will Bay Bank notarize my document?

What address for Bay Bank should I put for incoming ACH transfers?

Will the Bay Bank branch print checks?

Do Bay Bank checks expire?

Does Bay Bank require US citizenship to open account?

Can Bay Bank close my account?

Does Bay Bank Report to credit bureaus?

Does Bay Bank Use Equifax?

What is Bay Bank's ACH Routing Number?

What is Bay Bank's SWIFT code?


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?

Will Bay Bank redeem a savings bond?

Does Bay Bank cash savings bonds?

Will Bay Bank cash money orders?

Can Bay Bank issue a money order?

Does Bay Bank do currency exchange?

Background on The Bank

Who owns Bay Bank?

How long has Bay Bank been around?

Can Bay Bank transfer to other banks?

Does Bay Bank have quick pay?

Does Bay Bank accept rolled coins?

Will Bay Bank accept loose change?

Where is Bay Bank headquarters?

Customer Reviews for Bay Bank

There are currently no comments for Bay Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →