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Overview / Commentary
925-476-1880
500 Ygnacio Valley Road Suite 130
Walnut Creek, CA 94596

Bay Commercial Bank is headquartered in Walnut Creek and is the 112st largest bank in the state of California. It is also the 1,908th largest bank in the nation. It was established in 2004 and as of December of 2013, it had grown to 49 employees at 5 locations. Bay Commercial Bank's money market rates are 70% higher than the national average, and it boasts a A+ health rating.

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Health

Data for Q4 2013

Institution Health

A+

Texas Ratio

GRADE:
A+

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, 2013 Bay Commercial Bank had $2.86 million in non-current loans and owned real-estate with $55.1 million in equity and loan loss allowances on hand to cover it. This gives Bay Commercial Bank a Texas Ratio of 5.19% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Bay Commercial Bank experienced no significant changes from 5.05% as of December 31, 2012 to 5.19% as of December 31, 2013, resulting in a negative change of 2.73%. This indicates that the balance sheet and financial strength for Bay Commercial Bank has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Bay Commercial Bank has increased its total deposits by $25.26 million, resulting in 9.67% 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 Commercial Bank has shown is excellent.

Capitalization

GRADE:
A+

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 Commercial Bank has $342.3 million in assets with $55.1 million in equity, resulting in a capitalization level of 16.10%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #57716
Year Established2004
Employees49
Primary RegulatorFED
Assets and Liabilities
Assets$342.30 million
Loans$251.11 million
Deposits$286.46 million
Equity Capital$52.32 million
Loan Loss Allowance$2.78 million
Unbacked Noncurrent Loans$819,000
Real Estate Owned$2.04 million
Historic Data - December 2012
Assets$316.58 million
Equity Capital$50.67 million
Loan Loss Allowance$2.70 million
Unbacked Noncurrent Loans$819,000
Real Estate Owned$150,000
Profit Margin - Quarterly
Net Interest Margin4.14%
Return on Assets0.83%
Return on Equity5.2%
Interest Income$14.91 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Bay Commercial Bank, we are a rate comparison website and can not provide official rates or promotions.

Bay Commercial Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.20%$100k-Business Savings
0.20%$100k-Personal Savings

Bay Commercial Bank Money Market Rates

DetailsAPYMINMAXPRODUCT
0.75%$500k-Business Premier Money Market
0.75%$500k-Personal Premier Money Market
0.55%$100k-Business Money Market
0.55%$100k-Personal Money Market

Bay Commercial Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.40%$50k-Business Interest Checking
0.40%$50k-Personal Interest Checking
0.10%$1k-Exclusive 50 Checking

Bay Commercial Bank CD Rates

DetailsAPYMINMAXPRODUCT
1.16%$250k-5 Year CD
0.90%$250k-4 Year CD
0.70%$250k-3 Year CD
0.65%$300k-3 Year CDARS
0.55%$250k-2 Year CD
0.50%$300k-2 Year CDARS
0.40%$250k-181 Day to 1 Year CD
0.35%$300k-52 Week CDARS
0.30%$250k-91 to 180 Day CD
0.25%$250k-31 to 90 Day CD
0.25%$300k-26 Week CDARS
0.20%$300k-13 Week CDARS
0.15%$250k-30 Day CD
0.10%$300k-4 Week CDARS

Bay Commercial Bank IRA Rates

DetailsAPYMINMAXPRODUCT
0.55%$250k-2 Year IRA (Traditional,Roth)
0.40%$250k-1 Year IRA (Traditional,Roth)
Locations


Bay Commercial Bank Locations
Oakland Branch155 Grand AvenueOakland, CA 94612
Castro Valley Branch3895 E. Castro Valley BlvdCastro Valley, CA 94552
Bay Commercial Bank500 Ygnacio Valley Road Suite 130Walnut Creek, CA 94596
Mountain View Branch700 E. El Camino Real, Suite 100Mountain View, CA 94040
Napa Branch960 School StreetNapa, CA 94559