Bay Bank, FSB

Bay Bank, FSB is headquartered in Lutherville and is the 66^th largest bank in the state of Maryland. It is also the 4,220^th largest bank in the nation. It was established in 2010 and as of December of 2011, it had grown to 34 employees at 2 locations. Bay Bank, FSB has a 3-star health rating.

Data for Q4 2011

Institution Statistics Bay Bank, FSB OTS # 18140 FDIC Certificate # 59004 BankRate Report View Year Established 2010 Employees 34 Primary Regulator OCC Assets and Liabilities Assets $129.83 million Loans $96.22 million Deposits $99.90 million Equity Capital $29.38 million Loan Loss Allowance $825,000 Unbacked Noncurrent Loans $5.34 million Real Estate Owned $1.50 million Historic Data - December 2010 Assets $135.02 million Equity Capital $27.74 million Loan Loss Allowance $174,000 Unbacked Noncurrent Loans $4.97 million Real Estate Owned $1.82 million Profit Margin - Quarterly Net Interest Margin 6.6% Return on Assets 0.63% Return on Equity 2.9% Interest Income $9.03 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Bay Bank, FSB had $6.85 million in non-current loans and owned real-estate with $30.2 million in equity and loan loss allowances on hand to cover it. This gives Bay Bank, FSB a Texas Ratio of 22.67% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bay Bank, FSB held steady from 24.32% as of December 31, 2010 to 22.67% as of December 31, 2011, resulting in a positive change of 6.79%.This indicates that the balance sheet and financial strength for Bay Bank, FSB has held steady in recent periods. Deposit Growth In the past year, Bay Bank, FSB has decreased its total deposits by -$5.28 million, resulting in -5.02% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bay Bank, FSB has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bay Bank, FSB has $129.83 million in assets with $30.2 million in equity, resulting in a capitalization level of 23.26%, which is excellent.

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