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Bay Bank
Green Bay, WI · FDIC Certificate #34052 · Chartered 08/2
Total assets
$315.70M
Total deposits
$264.91M
Total equity
$31.33M
Net loans
$131.38M
Branches (offices)
3
Net income (YTD)
$1.76M
Rank: #2,396 of 4,213 U.S. banks by assets · #95 of 153 in Wisconsin. Assets changed 4.2% and deposits 1.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.12% |
| Return on equity | 11.35% |
| Net interest margin (YTD) | 4.15% |
| Equity to assets | 9.92% |
| Tier 1 leverage ratio | 11.19% |
| Uninsured deposits (share of deposits) | 37.0% |
| Noncurrent loans (share of loans) | 2.03% |
| Net charge-offs (share of loans) | 0.06% |
| Loans to deposits | 49.6% |
| Real estate loans (share of loans) | 76.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $99.82M | 76.0% | |
| Commercial & industrial | $24.20M | 18.4% | |
| Consumer / individual | $9.82M | 7.5% | |
| Construction & development | $12.14M | 9.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $195.47M | $177.35M | $502.00K | $15.63M |
| Jun 2023 | $221.05M | $200.00M | $842.00K | $15.89M |
| Jun 2024 | $266.86M | $235.90M | $1.86M | $20.01M |
| Jun 2025 | $302.90M | $260.17M | $1.81M | $27.41M |
| Jun 2026 | $315.70M | $264.91M | $1.76M | $31.33M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Wisconsin | $264.91M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $264.91M.
Similar-sized banks
Sewickley Savings Bank ($316.32M) · Community Bank ($315.48M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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