Bay National Bank


2328 West Joppa Road
Baltimore, MD 21203
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Notable Rates APY Vs.Others
Savings N.A. 0.65% →
1-Year CD N.A. 0.70% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
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 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 $ 292.94 million
Loans $ 184.78 million
Deposits $ 281.67 million
Capital $ 10.35 million

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 - July 29, 2021

Your Current Location: Connecticut, CT 06828


Loan Rates - July 29, 2021

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
Morty, Inc.
NMLS ID: 1429243
2.588% 2.490%
0.88 points
$3,248 fees
$987 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
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4.840 %
$0 Learn More
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Third Federal Savings and Loan
Third Federal Savings and Loan
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2.240 %
$0 Learn More
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Bethpage Federal Credit Union
Bethpage Federal Credit Union
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Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
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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% 5.29%

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 March 31, 2021, 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% 11.43%

Bay National Bank has a Return on Equity of -66.39% versus the BestCashCow average of 11.43%. 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% 11.51%

Bay National Bank has a Capitalization of 3.53% versus the BestCashCow average of 11.51. 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 $217,743,000, 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

March 31, 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 $ 184.78 million
Loan loss allowance $ 9.76 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 281.67 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 $ 292.94 million

Summary Income Statement

March 31, 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 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

Who owns Bay National Bank?

How long has Bay National Bank been around?

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