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Overview / Commentary
500 Ygnacio Valley Road Suite 130
Walnut Creek, CA 94596

Bay Commercial Bank is headquartered in Walnut Creek and is the 109th largest bank in the state of California. It is also the 1,878th largest bank in the nation. It was established in 2004 and as of March of 2014, it had grown to 51 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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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Bay Commercial Bank had $4.02 million in non-current loans and owned real-estate with $55.23 million in equity and loan loss allowances on hand to cover it. This gives Bay Commercial Bank a Texas Ratio of 7.27% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Bay Commercial Bank experienced no significant changes from 4.62% as of March 31, 2013 to 7.27% as of March 31, 2014, resulting in a negative change of 57.55%. This indicates that the balance sheet and financial strength for Bay Commercial Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Bay Commercial Bank has increased its total deposits by $37.7 million, resulting in 14.69% 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.



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 $350.26 million in assets with $55.23 million in equity, resulting in a capitalization level of 15.77%, which is excellent.

Institution Statistics

FDIC Certificate #57716
Year Established2004
Primary RegulatorFED
Assets and Liabilities
Assets$350.26 million
Loans$263.92 million
Deposits$294.38 million
Equity Capital$52.85 million
Loan Loss Allowance$2.39 million
Unbacked Noncurrent Loans$2.04 million
Real Estate Owned$1.98 million
Historic Data - March 2013
Assets$310.86 million
Equity Capital$51.30 million
Loan Loss Allowance$2.70 million
Unbacked Noncurrent Loans$2.04 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.9%
Return on Assets0.61%
Return on Equity3.99%
Interest Income$3.75 million

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Bay Commercial Bank Savings Account Rates

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

Bay Commercial Bank Money Market Rates

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

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

Bay Commercial Bank CD Rates

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

0.55%$250k-2 Year IRA
0.40%$250k-1 Year IRA

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