Baylake Bank

217 North 4th Avenue
Sturgeon Bay, WI 54235

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 13060
Date Established 1876
Assets $0.99 billion
Loans $0.67 billion
Deposits $0.76 billion
Capital $0.12 billion

Baylake Bank is an FDIC insured institution located in Sturgeon Bay, WI. It was founded in 1876 and has approximately $1.06 billion in assets.

For a more detailed analysis of Baylake 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 Baylake Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Wisconsin, Baylake Bank has a significantly higher percent of Small Business Loans, Commercial Real Estate, Commercial and Industrial Loans 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 22.86
Multifamily
Mortgages
2.50
Credit Card Loans 0.20
Consumer Auto Loans 0.22
Small Business Loans 19.43
Construction and Development Loans 5.02
Commercial Real Estate 43.67
Commercial and Industrial Loans 21.19
Farm Loans 1.06

Deposit Rates

Your Current Location: Virginia, VA 20146

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

Advertiser Disclosure

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Baylake 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 2018

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Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.990% $238.42 Learn More
Flagstar Bank 5.490% $283.58 Learn More

Note to Baylake Bank
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Branches

Baylake 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


Baylake Bank Locations

Financial Details

Baylake Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Baylake 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
Baylake Bank U.S. Bank Average
7.7% 7.92%

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 March 31, 2018, Baylake Bank had $5,731,000 in non-current loans and $4,195,000 in owned real estate. To cover these potential losses it had $121,913,000 in equity and $7,003,000 in loans loss reserves. That gives it a Texas Ratio of 7.7%.

Return on Equity
Baylake Bank U.S. Bank Average
7.9% 9.35%

Baylake Bank has a Return on Equity of 7.9% versus the BestCashCow average of 9.35%. 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
Baylake Bank U.S. Bank Average
12.34% 12.01%

Baylake Bank has a Capitalization of 12.34% versus the BestCashCow average of 12.01. 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.

Baylake Bank Balance Sheet Analysis

As of March 31, 2015, Baylake Bank had assets of $1,061,527,000, loans of $666,756,000, and deposits of $763,714,000. 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 $0.00 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 $0.67 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
LIABILITIES
Total deposits $0.76 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 $0.99 billion

Summary Income Statement

INCOME AND EXPENSES
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

Frequently Asked Questions About Baylake Bank

Branches and Savings

Is Baylake Bank FDIC insured?

Yes. It is covered under FDIC Certificate #13060.

Why does Baylake Bank pay such low interest on savings accounts?

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

Why are Baylake Bank CD rates not competitive?

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

Is Baylake Bank a commercial bank?

Yes

Where are Baylake Bank locations?

See branch locations nearby.

Is Baylake Bank open on Saturdays?

Is Baylake Bank open on Sundays?

What time does Baylake Bank open?

What time does Baylake Bank close?

Are Baylake Bank ATMs Open 24/7?

Do Baylake Bank ATMs accept cash deposits?

Can Baylake Bank customers use other ATMs?

Do Baylake Bank branches have notaries?

Will Baylake Bank notarize my document?

What address for Baylake Bank should I put for incoming ACH transfers?

Will the Baylake Bank branch print checks?

Do Baylake Bank checks expire?

Does Baylake Bank require US citizenship to open account?

Can Baylake Bank close my account?

Does Baylake Bank Report to credit bureaus?

Does Baylake Bank Use Equifax?

What is Baylake Bank's ACH Routing Number?

What is Baylake Bank's SWIFT code?

Products

Does Baylake Bank offer mortgages?

Compare mortgage rates here.

Does Baylake Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Baylake Bank offer personal loans?

Compare personal loan rates here.

Does Baylake Bank offer student loans?

Will Baylake Bank cash a check?

Will Baylake Bank redeem a savings bond?

Does Baylake Bank cash savings bonds?

Will Baylake Bank cash money orders?

Can Baylake Bank issue a money order?

Does Baylake Bank do currency exchange?

Background on The Bank

Who owns Baylake Bank?

How long has Baylake Bank been around?

Can Baylake Bank transfer to other banks?

Does Baylake Bank have quick pay?

Does Baylake Bank accept rolled coins?

Will Baylake Bank accept loose change?

Where is Baylake Bank headquarters?

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