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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 1,157th largest bank in the nation. It was established in 2010 and as of March of 2017, it had grown to 126 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 - YTD0.62%
Return on Equity - YTD5.94%
Annual Interest Income$6.4MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$633.2MM$463.4MM
LoansQ1 2017vs Q1 2016$492.9MM$398.5MM
DepositsQ1 2017vs Q1 2016$526.5MM$366.0MM
Equity CapitalQ1 2017vs Q1 2016$66.5MM$68.0MM
Loan Loss AllowanceQ1 2017vs Q1 2016$3.2MM$1.9MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$15.0MM$7.6MM
Real Estate OwnedQ1 2017vs Q1 2016$565.00K$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 Locations
Cockeysville Branch10301 York RoadCockeysville, MD 21030
Arbutus Branch1070 Maiden Choice LaneBaltimore, MD 21229
Towson Branch1740 East Joppa RoadBaltimore, MD 21234
Bay Bank, FSB7151 Columbia Gateway Drive, Suite AColumbia, MD 21046
Carrollton Branch344 N. Charles StreetBaltimore, MD 21201
Perry Hall Branch4040 Schroeder AvenuePerry Hall, MD 21128
Glen Burnie Branch427 Crain Highway, N.E.Glen Burnie, MD 21061
Highlandtown/Canton Branch531 South Conkling StreetBaltimore, MD 21224
Hickory Branch602 Hoagie DriveBel Air, MD 21014
Reisterstown Road Branch1726 Reisterstown Road, Suite 101Baltimore, MD 21208