Bay-Vanguard Federal Savings Bank

7114 North Point Road
Baltimore, MD 21219

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 32527
Date Established 1873
Assets $0.17 billion
Loans $0.13 billion
Deposits $0.14 billion
Capital $0.02 billion

Bay-Vanguard Federal Savings Bank is an FDIC insured institution located in Baltimore, MD. It was founded in 1873 and has approximately $0.17 billion in assets. Customers can open an account at one of its 5 branches.

For a more detailed analysis of Bay-Vanguard Federal Savings 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-Vanguard Federal Savings Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks, Bay-Vanguard Federal Savings 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 58.18
Multifamily
Mortgages
2.96
Credit Card Loans 0.00
Consumer Auto Loans 0.04
Small Business Loans 14.50
Construction and Development Loans 1.25
Commercial Real Estate 18.59
Commercial and Industrial Loans 2.00
Farm Loans 0.00

Deposit Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
Savings Rates APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.55% $1,000 - Learn MoreShow Less
Special: 18 Mo FIRA
1.81% $1,000 - Learn MoreShow Less
Special: 59 Mo FIRA
1.76% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
0.35% $5 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 2.5K
0.15% $2,500 $9,999 Learn MoreShow Less
MM 10K
0.20% $10,000 $24,999 Learn MoreShow Less
MM 25K
0.25% $25,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.05% $100 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

Home Equity Rates APR Rate Monthly Payment
Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

Bay-Vanguard Federal Savings Bank 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-Vanguard Federal Savings Bank Locations

Financial Details

Bay-Vanguard Federal Savings Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bay-Vanguard Federal Savings Bank. 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-Vanguard Federal Savings Bank U.S. Bank Average
7.38% 8.32%

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, 2017, Bay-Vanguard Federal Savings Bank had $1,120,000 in non-current loans and $526,000 in owned real estate. To cover these potential losses it had $20,488,000 in equity and $1,824,000 in loans loss reserves. That gives it a Texas Ratio of 7.38%.

Return on Equity
Bay-Vanguard Federal Savings Bank U.S. Bank Average
0.99% 8.84%

Bay-Vanguard Federal Savings Bank has a Return on Equity of 0.99% versus the BestCashCow average of 8.84%. 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-Vanguard Federal Savings Bank U.S. Bank Average
12.18% 12.21%

Bay-Vanguard Federal Savings Bank has a Capitalization of 12.18% versus the BestCashCow average of 12.21. 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-Vanguard Federal Savings Bank Balance Sheet Analysis

As of December 31, 2017, Bay-Vanguard Federal Savings Bank had assets of $168,173,000, loans of $125,274,000, and deposits of $142,353,000. 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

ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.02 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.13 billion
Loan loss allowance $0.00 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 $0.01 billion
     Total Assets $0.15 billion
LIABILITIES
Total deposits $0.14 billion
      Interest-bearing deposits $0.12 billion
      Deposits held in domestic offices $0.14 billion
      % insured (estimated) 90.49%
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 $0.15 billion
      Shareholders’ Equity $0.02 billion

Summary Income Statement

INCOME AND EXPENSES
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 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

Frequently Asked Questions About Bay-vanguard Federal Savings Bank

Branches and Savings

Is Bay-vanguard Federal Savings Bank FDIC insured?

Yes. It is covered under FDIC Certificate #32527.

Why does Bay-vanguard Federal Savings 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-vanguard Federal Savings Bank CD rates not competitive?

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

Is Bay-vanguard Federal Savings Bank a commercial bank?

Yes

Where are Bay-vanguard Federal Savings Bank locations?

See branch locations nearby.

Is Bay-vanguard Federal Savings Bank open on Saturdays?

Is Bay-vanguard Federal Savings Bank open on Sundays?

What time does Bay-vanguard Federal Savings Bank open?

What time does Bay-vanguard Federal Savings Bank close?

Are Bay-vanguard Federal Savings Bank ATMs Open 24/7?

Do Bay-vanguard Federal Savings Bank ATMs accept cash deposits?

Can Bay-vanguard Federal Savings Bank customers use other ATMs?

Do Bay-vanguard Federal Savings Bank branches have notaries?

Will Bay-vanguard Federal Savings Bank notarize my document?

What address for Bay-vanguard Federal Savings Bank should I put for incoming ACH transfers?

Will the Bay-vanguard Federal Savings Bank branch print checks?

Do Bay-vanguard Federal Savings Bank checks expire?

Does Bay-vanguard Federal Savings Bank require US citizenship to open account?

Can Bay-vanguard Federal Savings Bank close my account?

Does Bay-vanguard Federal Savings Bank Report to credit bureaus?

Does Bay-vanguard Federal Savings Bank Use Equifax?

What is Bay-vanguard Federal Savings Bank's ACH Routing Number?

What is Bay-vanguard Federal Savings Bank's SWIFT code?

Products

Does Bay-vanguard Federal Savings Bank offer mortgages?

Compare mortgage rates here.

Does Bay-vanguard Federal Savings Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bay-vanguard Federal Savings Bank offer personal loans?

Compare personal loan rates here.

Does Bay-vanguard Federal Savings Bank offer student loans?

Will Bay-vanguard Federal Savings Bank cash a check?

Will Bay-vanguard Federal Savings Bank redeem a savings bond?

Does Bay-vanguard Federal Savings Bank cash savings bonds?

Will Bay-vanguard Federal Savings Bank cash money orders?

Can Bay-vanguard Federal Savings Bank issue a money order?

Does Bay-vanguard Federal Savings Bank do currency exchange?

Background on The Bank

Who owns Bay-vanguard Federal Savings Bank?

How long has Bay-vanguard Federal Savings Bank been around?

Can Bay-vanguard Federal Savings Bank transfer to other banks?

Does Bay-vanguard Federal Savings Bank have quick pay?

Does Bay-vanguard Federal Savings Bank accept rolled coins?

Will Bay-vanguard Federal Savings Bank accept loose change?

Where is Bay-vanguard Federal Savings Bank headquarters?

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