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Overview / Commentary
7151 Columbia Gateway Drive,
Columbia, MD 21046

Bay Bank, FSB is headquartered in Columbia and is the 16th largest bank in the state of Maryland. It is also the 1,160th largest bank in the nation. It was established in 2010 and as of December of 2016, it had grown to 131 employees at 15 locations. Bay Bank, FSB has a B health rating.


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Health Grade Components

FDIC Certificate #59004
Year Established2010
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.36%
Return on Equity - YTD2.83%
Annual Interest Income$23.0MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$620.3MM$491.1MM
LoansQ4 2016vs Q4 2015$485.9MM$396.3MM
DepositsQ4 2016vs Q4 2015$526.7MM$367.5MM
Equity CapitalQ4 2016vs Q4 2015$65.2MM$67.9MM
Loan Loss AllowanceQ4 2016vs Q4 2015$2.8MM$1.8MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$14.1MM$8.2MM
Real Estate OwnedQ4 2016vs Q4 2015$1.2MM$1.5MM
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Bay Bank, FSB Savings Account Rates

0.15%--Bay Business Savings
0.10%--Bay Savings

Bay Bank, FSB Money Market Rates

0.25%*$50k*-Bay Money Market
OTHER TIERS: 0.05% Up to $7,500 | 0.10% $7,500 - $20k | 0.20% $20k - $50k
0.25%*$50k*-Bay Business Money Market
OTHER TIERS: 0.10% Up to $20k | 0.20% $20k - $50k

Bay Bank, FSB Checking Account Rates

0.10%*$10k*-Bay Interest Checking
OTHER TIERS: 0.02% Up to $1k | 0.04% $1k - $10k
0.10%*$10k*-Bay Silver Checking
OTHER TIERS: 0.02% Up to $1k | 0.04% $1k - $10k
0.10%*$10k*-Bay Relationship Checking
OTHER TIERS: 0.02% Up to $1k | 0.04% $1k - $10k

Bay Bank, FSB CD Rates

0.95%$500-60 Month Bay CD
0.95%$500-Business 60 Month Bay CD
0.65%$500-48 Month Bay CD
0.65%$500-Business 48 Month Bay CD
0.45%$500-36 Month Bay CD
0.45%$500-Business 36 Month Bay CD
0.30%$500-24 Month Bay CD
0.30%$500-Business 24 Month Bay CD
0.20%$500-18 Month Bay CD
0.20%$500-Business 18 Month Bay CD
0.15%$500-12 Month Bay CD
0.15%$500-Business 12 Month Bay CD
0.10%$500-6 Month Bay CD
0.10%$500-Business 6 Month Bay CD
0.05%$500-28 Day Bay CD
0.05%$500-3 Month Bay CD
0.05%$500-Business 28 Day Bay CD
0.05%$500-Business 3 Month Bay CD

Bay Bank, FSB has 13 locations. Click to view all Bay Bank, FSB locations.