Bay Bank & Trust Co.

509 Harrison Avenue
Panama City, FL 32401

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 15169
Date Established 1935
Assets $0.23 billion
Loans $0.11 billion
Deposits $0.21 billion
Capital $0.03 billion

Bay Bank & Trust Co. is an FDIC insured institution located in Panama City, FL. It was founded in 1935 and has approximately $0.23 billion in assets.

For a more detailed analysis of Bay Bank & Trust Co.'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 & Trust Co.’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, Bay Bank & Trust Co.’s loan portfolio does not show any specific loan specialty.

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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 0.00
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Savings Rates

Your Current Location: Virginia, VA 20146

There are currently no rates available for Bay Bank & Trust Co., but see these great savings and CD rates:


Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bay Bank & Trust Co.

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

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
HomeDirect Mortgage
NMLS ID: 420821
3.888% 3.875% 0.13 $497 $1,176 Learn More
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
4.000% 4.000% 0.00 $0 $1,194 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to Bay Bank & Trust Co.
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Branches

Bay Bank & Trust Co. 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:
Ashburn,Virginia


Bay Bank & Trust Co. Locations

Financial Details

Bay Bank & Trust Co. Ratio Analysis

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

Texas Ratio
Bay Bank & Trust Co. U.S. Bank Average
28.49% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, Bay Bank & Trust Co. had $4,754,000 in non-current loans and $3,181,000 in owned real estate. To cover these potential losses it had $25,610,000 in equity and $2,244,000 in loans loss reserves. That gives it a Texas Ratio of 28.49%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Bay Bank & Trust Co. U.S. Bank Average
-13.86% 8.58

Bay Bank & Trust Co. has a Return on Equity of -13.86% versus the BestCashCow average of 8.58. 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.

Capitalization
Bay Bank & Trust Co. U.S. Bank Average
11.01% 12.11

Bay Bank & Trust Co. has a Capitalization of 11.01% versus the BestCashCow average of 12.11. 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 & Trust Co. Balance Sheet Analysis

As of December 31, 2011, Bay Bank & Trust Co. had assets of $232,517,000, loans of $114,661,000, and deposits of $206,556,000. 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.

Frequently Asked Questions About Bay Bank & Trust Co.

Branches and Savings

Is Bay Bank & Trust Co. FDIC insured?

Yes. It is covered under FDIC Certificate #15169.

Why does Bay Bank & Trust Co. 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 & Trust Co. CD rates not competitive?

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

Is Bay Bank & Trust Co. a commercial bank?

Yes

Where are Bay Bank & Trust Co. locations?

See branch locations nearby.

Is Bay Bank & Trust Co. open on Saturdays?

Is Bay Bank & Trust Co. open on Sundays?

What time does Bay Bank & Trust Co. open?

What time does Bay Bank & Trust Co. close?

Are Bay Bank & Trust Co. ATMs Open 24/7?

Do Bay Bank & Trust Co. ATMs accept cash deposits?

Can Bay Bank & Trust Co. customers use other ATMs?

Do Bay Bank & Trust Co. branches have notaries?

Will Bay Bank & Trust Co. notarize my document?

What address for Bay Bank & Trust Co. should I put for incoming ACH transfers?

Will the Bay Bank & Trust Co. branch print checks?

Do Bay Bank & Trust Co. checks expire?

Does Bay Bank & Trust Co. require US citizenship to open account?

Can Bay Bank & Trust Co. close my account?

Does Bay Bank & Trust Co. Report to credit bureaus?

Does Bay Bank & Trust Co. Use Equifax?

What is Bay Bank & Trust Co.'s ACH Routing Number?

What is Bay Bank & Trust Co.'s SWIFT code?

Products

Does Bay Bank & Trust Co. offer mortgages?

Compare mortgage rates here.

Does Bay Bank & Trust Co. offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bay Bank & Trust Co. offer personal loans?

Compare personal loan rates here.

Does Bay Bank & Trust Co. offer student loans?

Will Bay Bank & Trust Co. cash a check?

Will Bay Bank & Trust Co. redeem a savings bond?

Does Bay Bank & Trust Co. cash savings bonds?

Will Bay Bank & Trust Co. cash money orders?

Can Bay Bank & Trust Co. issue a money order?

Does Bay Bank & Trust Co. do currency exchange?

Background on The Bank

Who owns Bay Bank & Trust Co.?

How long has Bay Bank & Trust Co. been around?

Can Bay Bank & Trust Co. transfer to other banks?

Does Bay Bank & Trust Co. have quick pay?

Does Bay Bank & Trust Co. accept rolled coins?

Will Bay Bank & Trust Co. accept loose change?

Where is Bay Bank & Trust Co. headquarters?

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