Bay National Bank

2328 West Joppa Road
Baltimore, MD 21203

Notable Rates APY Vs.Others
Savings N.A. 2.20% →
1-Year CD N.A. 2.20% →
2-Year CD N.A. 2.20% →
5-Year CD N.A. 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Bank Information

Bay National Bank is an FDIC insured institution located in Baltimore, MD. It was founded in 2000 and has approximately $0.22 billion in assets.

Bay National Bank, Baltimore, Maryland, was closed July 9, 2010 by the Office of the Comptroller of the Currency, which appointed the Federal Deposit Insurance Corporation (FDIC) as receiver. To protect the depositors, the FDIC entered into a purchase and assumption agreement with Bay Bank, FSB, Lutherville, Maryland, to assume all of the deposits of Bay National Bank.

FDIC Insured Yes
FDIC Certificate # 35462
Date Established 2000
Assets $0.29 billion
Loans $0.18 billion
Deposits $0.28 billion
Capital $0.01 billion

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

Deposit Rates - February 23, 2020

Your Current Location: Virginia, VA 20146

There are currently no rates available for Bay National Bank, but see these great savings and CD rates:

Advertiser Disclosure

Loan Rates - February 23, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bay National Bank

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 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
4.668% 4.625% 0.00 $1,250 $1,286 Learn More
NMLS ID: 2890
License#: MC-3098
3.284% 3.250% 0.38 $1,070 $1,089 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.793% 4.750% 0.00 $1,250 $1,305 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to Bay National Bank
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Financial Details

Bay National Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bay National 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 National Bank U.S. Bank Average
101.58% 6.70%

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 September 30, 2019, Bay National Bank had $20,428,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $10,351,000 in equity and $9,760,000 in loans loss reserves. That gives it a Texas Ratio of 101.58%.

Return on Equity
Bay National Bank U.S. Bank Average
-66.39% 9.72%

Bay National Bank has a Return on Equity of -66.39% versus the BestCashCow average of 9.72%. 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 National Bank U.S. Bank Average
3.53% 12.89%

Bay National Bank has a Capitalization of 3.53% versus the BestCashCow average of 12.89. 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 National Bank Balance Sheet Analysis

As of November 30, -0001, Bay National Bank had assets of $216,577,000, loans of $184,784,000, and deposits of $281,672,000. 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

September 30, 2019
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.18 billion
Loan loss allowance $0.01 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 $0.00 billion
Total deposits $0.28 billion
      Interest-bearing deposits $0.00 billion
      Deposits held in domestic offices $0.00 billion
      % insured (estimated) 0.00%
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 $0.00 billion
      Shareholders’ Equity $0.29 billion

Summary Income Statement

September 30, 2019
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

Bank Loan Profile?

The top three loan types in Bay National Bank’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, Bay National Bank’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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 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

Frequently Asked Questions About Bay National Bank

Branches and Savings

Is Bay National Bank FDIC insured?

Yes. It is covered under FDIC Certificate #35462.

Why does Bay National 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 National Bank CD rates not competitive?

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

Is Bay National Bank a commercial bank?


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Does Bay National Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Bay National Bank offer personal loans?

Compare personal loan rates here.

Does Bay National Bank offer student loans?

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Background on The Bank

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