Bay National Bank

2328 West Joppa Road
Baltimore, MD 21203


General Bank Information

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

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.

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.

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

Loan Rates

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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% 8.87%

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 March 31, 2017, 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%. 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 National Bank U.S. Bank Average
-66.39% 8.39%

Bay National Bank has a Return on Equity of -66.39% versus the BestCashCow average of 8.39%. 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% 11.94%

Bay National Bank has a Capitalization of 3.53% versus the BestCashCow average of 11.94%. 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.

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