BayVanguard Bank

7114 North Point Road
Baltimore, MD 21219

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 32527
Date Established 1873
Assets $0.30 billion
Loans $0.23 billion
Deposits $0.23 billion
Capital $0.06 billion

BayVanguard Bank is an FDIC insured institution located in Baltimore, MD. It was founded in 1873 and has approximately $0.3 billion in assets. Customers can open an account at one of its 5 branches.

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

Deposit Rates - August 25, 2019

Your Current Location: Washington, WA 98101

Savings and Money Market Rates APY MIN MAX
Money Market
0.15% $2,500 $9,999 Learn MoreShow Less
Money Market
0.20% $10,000 $24,999 Learn MoreShow Less
Money Market
0.25% $25,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
6 Mo CD
0.73% $1,000 - Learn MoreShow Less
6 Mo CD
0.35% $1,000 - Learn MoreShow Less
0.73% $1,000 $9,999,999 Learn MoreShow Less
1.30% $1,000 $9,999,999 Learn MoreShow Less
12 Mo CD
1.30% $1,000 - Learn MoreShow Less
12 Mo CD
0.50% $1,000 - Learn MoreShow Less
18 Mo CD
1.67% $1,000 - Learn MoreShow Less
1.67% $1,000 $9,999,999 Learn MoreShow Less
24 Mo CD
1.67% $1,000 - Learn MoreShow Less
24 Mo CD
0.65% $1,000 - Learn MoreShow Less
1.73% $1,000 $9,999,999 Learn MoreShow Less
30 Mo CD
1.73% $1,000 - Learn MoreShow Less
1.73% $1,000 $9,999,999 Learn MoreShow Less
36 Mo CD
1.73% $1,000 - Learn MoreShow Less
36 Mo CD
0.90% $1,000 - Learn MoreShow Less
1.85% $1,000 $9,999,999 Learn MoreShow Less
48 Mo CD
1.85% $1,000 - Learn MoreShow Less
48 Mo CD
1.21% $1,000 - Learn MoreShow Less
2.08% $1,000 $9,999,999 Learn MoreShow Less
60 Mo CD
2.08% $1,000 - Learn MoreShow Less
60 Mo CD
1.61% $1,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
1.30% $1,000 $9,999,999 Learn MoreShow Less
Fixed IRA
1.30% $1,000 - Learn MoreShow Less
Fixed IRA
0.50% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.35% $5 $9,999,999 Learn MoreShow Less
Var IRA
0.35% $5 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.20% $50 - Learn MoreShow Less
0.05% $100 $9,999,999 Learn MoreShow Less
Int Ckg
0.05% $100 - Learn MoreShow Less

Loan Rates - August 25, 2019

Your Current Location: Washington, WA 98101

There are currently no loan rates available for BayVanguard Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
3.529% 3.500% 0.38 $898 $1,123 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.240 %
$0 Learn More
More Info

Note to BayVanguard Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

BayVanguard 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:
Seattle,Washington


BayVanguard Bank Locations


Financial Details

BayVanguard Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of BayVanguard 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
BayVanguard Bank U.S. Bank Average
3.4% 6.94%

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, 2019, BayVanguard Bank had $1,687,000 in non-current loans and $514,000 in owned real estate. To cover these potential losses it had $62,907,000 in equity and $1,748,000 in loans loss reserves. That gives it a Texas Ratio of 3.4%.

Return on Equity
BayVanguard Bank U.S. Bank Average
2.83% 9.47%

BayVanguard Bank has a Return on Equity of 2.83% versus the BestCashCow average of 9.47%. 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
BayVanguard Bank U.S. Bank Average
20.9% 12.49%

BayVanguard Bank has a Capitalization of 20.9% versus the BestCashCow average of 12.49. 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.

BayVanguard Bank Balance Sheet Analysis

As of March 31, 2019, BayVanguard Bank had assets of $300,955,000, loans of $234,482,000, and deposits of $228,393,000. 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, 2019
ASSETS
Cash & Balances due from depository institutions $0.03 billion
Interest-bearing balances $0.02 billion
Total securities $0.02 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.23 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 $0.24 billion
LIABILITIES
Total deposits $0.23 billion
      Interest-bearing deposits $0.21 billion
      Deposits held in domestic offices $0.23 billion
      % insured (estimated) 89.18%
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 $0.01 billion
      Total Liabilities $0.24 billion
      Shareholders’ Equity $0.06 billion

Summary Income Statement

March 31, 2019
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

Bank Loan Profile?

The top three loan types in BayVanguard Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks, BayVanguard 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 65.08
Multifamily
Mortgages
3.84
Credit Card Loans 0.00
Consumer Auto Loans 0.05
Small Business Loans 8.15
Construction and Development Loans 5.04
Commercial Real Estate 16.40
Commercial and Industrial Loans 1.06
Farm Loans 0.00

Frequently Asked Questions About Bayvanguard Bank

Branches and Savings

Is Bayvanguard Bank FDIC insured?

Yes. It is covered under FDIC Certificate #32527.

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

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

Why are Bayvanguard Bank CD rates not competitive?

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

Is Bayvanguard Bank a commercial bank?

Yes

Where are Bayvanguard Bank locations?

See branch locations nearby.

Is Bayvanguard Bank open on Saturdays?

Is Bayvanguard Bank open on Sundays?

What time does Bayvanguard Bank open?

What time does Bayvanguard Bank close?

Are Bayvanguard Bank ATMs Open 24/7?

Do Bayvanguard Bank ATMs accept cash deposits?

Can Bayvanguard Bank customers use other ATMs?

Do Bayvanguard Bank branches have notaries?

Will Bayvanguard Bank notarize my document?

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

Will the Bayvanguard Bank branch print checks?

Do Bayvanguard Bank checks expire?

Does Bayvanguard Bank require US citizenship to open account?

Can Bayvanguard Bank close my account?

Does Bayvanguard Bank Report to credit bureaus?

Does Bayvanguard Bank Use Equifax?

What is Bayvanguard Bank's ACH Routing Number?

What is Bayvanguard Bank's SWIFT code?

Products

Does Bayvanguard Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Bayvanguard Bank offer personal loans?

Compare personal loan rates here.

Does Bayvanguard Bank offer student loans?

Will Bayvanguard Bank cash a check?

Will Bayvanguard Bank redeem a savings bond?

Does Bayvanguard Bank cash savings bonds?

Will Bayvanguard Bank cash money orders?

Can Bayvanguard Bank issue a money order?

Does Bayvanguard Bank do currency exchange?

Background on The Bank

Who owns Bayvanguard Bank?

How long has Bayvanguard Bank been around?

Can Bayvanguard Bank transfer to other banks?

Does Bayvanguard Bank have quick pay?

Does Bayvanguard Bank accept rolled coins?

Will Bayvanguard Bank accept loose change?

Where is Bayvanguard Bank headquarters?

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