Bay Cities Bank


4301 West Boy Scout Boulevard, Suite 150
Tampa, FL 33607
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.75% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.25% →
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 Cities Bank is an FDIC insured institution located in Tampa, FL. It was founded in 1999 and has approximately $0.53 billion in assets.

FDIC Insured Yes
FDIC Certificate # 35066
Date Established 1999
Assets $ 540.47 million
Loans $ 386.84 million
Deposits $ 461.38 million
Capital $ 68.97 million

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

Deposit Rates - October 27, 2021

Your Current Location: Connecticut, CT 06828


Loan Rates - October 27, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Bay Cities 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
CIT Bank
NMLS ID: 541760
3.092% 3.025%
0.88 points
$2,152 fees
$1,058 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 Cities Bank
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Climate Initiatives

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Financial Details

Bay Cities Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bay Cities 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 Cities Bank U.S. Bank Average
13.32% 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 Cities Bank had $9,581,000 in non-current loans and $243,000 in owned real estate. To cover these potential losses it had $68,967,000 in equity and $4,812,000 in loans loss reserves. That gives it a Texas Ratio of 13.32%.

Return on Equity
Bay Cities Bank U.S. Bank Average
7.38% 11.29%

Bay Cities Bank has a Return on Equity of 7.38% 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 Cities Bank U.S. Bank Average
12.76% 11.72%

Bay Cities Bank has a Capitalization of 12.76% 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 Cities Bank Balance Sheet Analysis

As of March 31, 2015, Bay Cities Bank had assets of $530,385,000, loans of $386,841,000, and deposits of $461,380,000. 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 N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 386.84 million
Loan loss allowance $ 4.81 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.24 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 461.38 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 540.47 million

Summary Income Statement

June 30, 2021
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

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

Compared to other banks in Florida, Bay Cities Bank has a significantly higher percent of Multifamily Mortgages, Commercial Real Estate 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 13.03
Credit Card Loans 0.00
Consumer Auto Loans 0.06
Small Business Loans 15.07
Construction and Development Loans 5.25
Commercial Real Estate 55.79
Commercial and Industrial Loans 16.13
Farm Loans 0.00

Frequently Asked Questions About Bay Cities Bank

Branches and Savings

Is Bay Cities Bank FDIC insured?

Yes. It is covered under FDIC Certificate #35066.

Why does Bay Cities 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 Cities Bank CD rates not competitive?

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

Is Bay Cities Bank a commercial bank?


Where are Bay Cities Bank locations?

See branch locations nearby.

Is Bay Cities Bank open on Saturdays?

Is Bay Cities Bank open on Sundays?

What time does Bay Cities Bank open?

What time does Bay Cities Bank close?

Are Bay Cities Bank ATMs Open 24/7?

Do Bay Cities Bank ATMs accept cash deposits?

Can Bay Cities Bank customers use other ATMs?

Do Bay Cities Bank branches have notaries?

Will Bay Cities Bank notarize my document?

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

Will the Bay Cities Bank branch print checks?

Do Bay Cities Bank checks expire?

Does Bay Cities Bank require US citizenship to open account?

Can Bay Cities Bank close my account?

Does Bay Cities Bank Report to credit bureaus?

Does Bay Cities Bank Use Equifax?

What is Bay Cities Bank's ACH Routing Number?

What is Bay Cities Bank's SWIFT code?


Does Bay Cities Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Bay Cities Bank offer personal loans?

Compare personal loan rates here.

Does Bay Cities Bank offer student loans?

Will Bay Cities Bank cash a check?

Will Bay Cities Bank redeem a savings bond?

Does Bay Cities Bank cash savings bonds?

Will Bay Cities Bank cash money orders?

Can Bay Cities Bank issue a money order?

Does Bay Cities Bank do currency exchange?

Background on The Bank

Who owns Bay Cities Bank?

How long has Bay Cities Bank been around?

Can Bay Cities Bank transfer to other banks?

Does Bay Cities Bank have quick pay?

Does Bay Cities Bank accept rolled coins?

Will Bay Cities Bank accept loose change?

Where is Bay Cities Bank headquarters?

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