Bayside Savings Bank


202 Marina Drive
Port Saint Joe, FL 32457
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Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.75% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Bayside Savings Bank is an FDIC insured institution located in Port Saint Joe, FL. It was founded in 2003 and has approximately $0.06 billion in assets.

Bayside Savings Bank, Port Saint Joe, Florida was closed July 30, 2010 by federal and state banking agencies, which then appointed the Federal Deposit Insurance Corporation (FDIC) as receiver. To protect depositors, the FDIC entered into purchase and assumption agreements with Centennial Bank, Conway, Arkansas, to assume all the deposits and essentially all the assets.

FDIC Insured Yes
FDIC Certificate # 57669
Date Established 2003
Assets $ 70.89 million
Loans $ 41.81 million
Deposits $ 58.69 million
Capital $ 1.08 million

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

Deposit Rates - October 25, 2021

Your Current Location: Connecticut, CT 06828


Loan Rates - October 25, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Bayside Savings 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
Flagstar Bank, FSB
NMLS ID: 417490
3.304% 3.250%
0.63 points
$1,702 fees
$1,089 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

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

Note to Bayside Savings Bank
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Climate Initiatives

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Financial Details

Bayside Savings Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bayside Savings 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
Bayside Savings Bank U.S. Bank Average
163.22% 4.78%

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 June 30, 2021, Bayside Savings Bank had $3,062,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $1,082,000 in equity and $794,000 in loans loss reserves. That gives it a Texas Ratio of 163.22%.

Return on Equity
Bayside Savings Bank U.S. Bank Average
-59.17% 11.29%

Bayside Savings Bank has a Return on Equity of -59.17% versus the BestCashCow average of 11.29%. 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.

Bayside Savings Bank U.S. Bank Average
1.53% 11.72%

Bayside Savings Bank has a Capitalization of 1.53% versus the BestCashCow average of 11.72. 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.

Bayside Savings Bank Balance Sheet Analysis

As of November 30, -0001, Bayside Savings Bank had assets of $64,344,000, loans of $41,809,000, and deposits of $58,688,000. 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

June 30, 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 $ 41.81 million
Loan loss allowance $ 0.79 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 $ 58.69 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 $ 70.89 million

Summary Income Statement

June 30, 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 Bayside Savings Bank’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, Bayside 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.

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 Bayside Savings Bank

Branches and Savings

Is Bayside Savings Bank FDIC insured?

Yes. It is covered under FDIC Certificate #57669.

Why does Bayside 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 Bayside Savings Bank CD rates not competitive?

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

Is Bayside Savings Bank a commercial bank?


Where are Bayside Savings Bank locations?

See branch locations nearby.

Is Bayside Savings Bank open on Saturdays?

Is Bayside Savings Bank open on Sundays?

What time does Bayside Savings Bank open?

What time does Bayside Savings Bank close?

Are Bayside Savings Bank ATMs Open 24/7?

Do Bayside Savings Bank ATMs accept cash deposits?

Can Bayside Savings Bank customers use other ATMs?

Do Bayside Savings Bank branches have notaries?

Will Bayside Savings Bank notarize my document?

What address for Bayside Savings Bank should I put for incoming ACH transfers?

Will the Bayside Savings Bank branch print checks?

Do Bayside Savings Bank checks expire?

Does Bayside Savings Bank require US citizenship to open account?

Can Bayside Savings Bank close my account?

Does Bayside Savings Bank Report to credit bureaus?

Does Bayside Savings Bank Use Equifax?

What is Bayside Savings Bank's ACH Routing Number?

What is Bayside Savings Bank's SWIFT code?


Does Bayside Savings Bank offer mortgages?

Compare mortgage rates here.

Does Bayside Savings Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bayside Savings Bank offer personal loans?

Compare personal loan rates here.

Does Bayside Savings Bank offer student loans?

Will Bayside Savings Bank cash a check?

Will Bayside Savings Bank redeem a savings bond?

Does Bayside Savings Bank cash savings bonds?

Will Bayside Savings Bank cash money orders?

Can Bayside Savings Bank issue a money order?

Does Bayside Savings Bank do currency exchange?

Background on The Bank

Who owns Bayside Savings Bank?

How long has Bayside Savings Bank been around?

Can Bayside Savings Bank transfer to other banks?

Does Bayside Savings Bank have quick pay?

Does Bayside Savings Bank accept rolled coins?

Will Bayside Savings Bank accept loose change?

Where is Bayside Savings Bank headquarters?

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