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7114 North Point Road
Baltimore, MD 21219

Bay-Vanguard Federal Savings Bank is headquartered in Baltimore and is the 50th largest bank in the state of Maryland. It is also the 3,275th largest bank in the nation. It was established in 1873 and as of March of 2014, it had grown to 39 employees at 6 locations. Bay-Vanguard Federal Savings Bank has a B health rating.

Reviews (1)

Former Depositor

Would not recommend.


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-Vanguard Federal Savings Bank had $7 million in non-current loans and owned real-estate with $20.67 million in equity and loan loss allowances on hand to cover it. This gives Bay-Vanguard Federal Savings Bank a Texas Ratio of 33.86% 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-Vanguard Federal Savings Bank increased slightly from 24.58% as of March 31, 2013 to 33.86% as of March 31, 2014, resulting in a negative change of 37.71%. This indicates that the balance sheet and financial strength for Bay-Vanguard Federal Savings Bank has declined slightly in recent periods.

Deposit Growth


In the past year, Bay-Vanguard Federal Savings Bank has increased its total deposits by $30.84 million, resulting in 25.08% 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-Vanguard Federal Savings 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-Vanguard Federal Savings Bank has $179.23 million in assets with $20.67 million in equity, resulting in a capitalization level of 11.53%, which is excellent.

Institution Statistics

FDIC Certificate #32527
Year Established1873
Primary RegulatorOCC
Assets and Liabilities
Assets$179.23 million
Loans$133.68 million
Deposits$153.80 million
Equity Capital$19.16 million
Loan Loss Allowance$1.50 million
Unbacked Noncurrent Loans$5.37 million
Real Estate Owned$1.63 million
Historic Data - March 2013
Assets$140.88 million
Equity Capital$15.19 million
Loan Loss Allowance$1.43 million
Unbacked Noncurrent Loans$5.37 million
Real Estate Owned$16,000
Profit Margin - Quarterly
Return on Assets0.47%
Return on Equity4.45%
Interest Income$1.86 million

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Bay-Vanguard Federal Savings Bank Savings Account Rates

0.35%--IRA Statement Account
0.10%$50-Statement Savings Account

Bay-Vanguard Federal Savings Bank Money Market Rates

0.30%$50k-Money Market Account

Bay-Vanguard Federal Savings Bank Checking Account Rates

0.10%$100-Business Checking Account
0.05%$2,500-Now Checking Account

Bay-Vanguard Federal Savings Bank CD Rates

1.25%$1k-60 Month CD
0.95%$1k-43 - 59 Month CD
0.80%$1k-25 - 42 Month CD
0.75%$1k-36 Month Bump-Up CD
0.45%$1k-13 - 24 Month CD
0.40%$1k-7 - 12 Month CD
0.25%$1k-4 - 6 Month CD

Bay-Vanguard Federal Savings Bank IRA Rates

1.25%$1k-60 Month IRA
0.95%$1k-43 - 59 Month IRA
0.80%$1k-25 - 42 Month IRA
0.75%$1k-36 Month Bump-Up IRA
0.45%$1k-13 - 24 Month IRA
0.40%$1k-7 - 12 Month IRA
0.25%$1k-4 - 6 Month IRA

Bay-Vanguard Federal Savings Bank Locations
Essex Branch532 Eastern AvenueBaltimore, MD 21221
Bay-Vanguard Federal Savings Bank7114 North Point RoadBaltimore, MD 21219
North Point Road Branch7114 Northpoint RoadEdgemere, MD 21219
Hanover Branch7657 Arundel Mills BlvdHanover, MD 21076
Pasadena Branch8070 Ritchie HwyPasadena, MD 21122
Fort Ave Branch921 East Fort Avenue, Suite 102Baltimore, MD 21230