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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 75th largest bank in the state of California. It is also the 1,073rd largest bank in the nation. It was established in 2004 and as of December of 2016, it had grown to 108 employees at 12 locations. Bay Commercial Bank's money market rates are 36% higher than the national average, and it boasts an A+ health rating.

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Health
A+

Health Grade Components

Overall
FDIC Certificate #57716
Year Established2004
Employees108
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.92%
Return on Equity - YTD7.9%
Annual Interest Income$29.5MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$675.6MM$623.7MM
LoansQ4 2016vs Q4 2015$504.5MM$460.6MM
DepositsQ4 2016vs Q4 2015$590.8MM$543.3MM
Equity CapitalQ4 2016vs Q4 2015$78.1MM$72.4MM
Loan Loss AllowanceQ4 2016vs Q4 2015$3.8MM$3.9MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$1.1MM$334.00K
Real Estate OwnedQ4 2016vs Q4 2015$775.00K$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Bay Commercial Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$100k*-Business Savings
OTHER TIERS: 0.05% Up to $1k | 0.10% $1k - $50k | 0.15% $50k - $100k
0.20%*$100k*-Personal Savings
OTHER TIERS: 0.05% Up to $1k | 0.10% $1k - $50k | 0.15% $50k - $100k

Bay Commercial Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$500k*-Business Premier Money Market
OTHER TIERS: 0.49% $100k - $250k | 0.55% $250k - $500k
0.60%*$500k*-Personal Premier Money Market
OTHER TIERS: 0.49% $100k - $250k | 0.55% $250k - $500k
0.45%*$100k*-Business Money Market
OTHER TIERS: 0.05% $1k - $10k | 0.10% $10k - $50k | 0.35% $50k - $100k
0.45%*$100k*-Personal Money Market
OTHER TIERS: 0.05% $1k - $10k | 0.10% $10k - $50k | 0.35% $50k - $100k

Bay Commercial Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$50k*-Business Interest Checking
OTHER TIERS: 0.05% $1k - $2,500 | 0.15% $2,500 - $50k
0.40%*$50k*-Personal Interest Checking
OTHER TIERS: 0.00% Up to $1k | 0.05% $1k - $50k
0.10%$1k-Exclusive 50 Checking

Bay Commercial Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.16%*$250k*-5 Year CD
OTHER TIERS: 1.01% $1k - $50k | 1.06% $50k - $100k | 1.11% $100k - $250k
0.90%*$250k*-4 Year CD
OTHER TIERS: 0.75% $1k - $50k | 0.80% $50k - $100k | 0.85% $100k - $250k
0.70%*$250k*-3 Year CD
OTHER TIERS: 0.55% $1k - $50k | 0.60% $50k - $100k | 0.65% $100k - $250k
0.65%$300k-3 Year CDARS
0.55%*$250k*-2 Year CD
OTHER TIERS: 0.40% $1k - $50k | 0.45% $50k - $100k | 0.50% $100k - $250k
0.50%$300k-2 Year CDARS
0.40%*$250k*-181 Day to 1 Year CD
OTHER TIERS: 0.25% $1k - $50k | 0.30% $50k - $100k | 0.35% $100k - $250k
0.35%$300k-52 Week CDARS
0.30%*$250k*-91 to 180 Day CD
OTHER TIERS: 0.15% $1k - $50k | 0.20% $50k - $100k | 0.25% $100k - $250k
0.25%*$250k*-31 to 90 Day CD
OTHER TIERS: 0.10% $1k - $50k | 0.15% $50k - $100k | 0.20% $100k - $250k
0.25%$300k-26 Week CDARS
0.20%$300k-13 Week CDARS
0.15%*$250k*-30 Day CD
OTHER TIERS: 0.05% $1k - $100k | 0.10% $100k - $250k
0.10%$300k-4 Week CDARS

Bay Commercial Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.55%*$250k*-2 Year IRA
OTHER TIERS: 0.40% $1k - $50k | 0.45% $50k - $100k | 0.50% $100k - $250k
0.40%*$250k*-1 Year IRA
OTHER TIERS: 0.25% $1k - $50k | 0.30% $50k - $100k | 0.35% $100k - $250k
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 200Walnut Creek, CA 94596
Mountain View Branch700 E. El Camino Real, Suite 100Mountain View, CA 94040
Napa Branch960 School StreetNapa, CA 94559
Stockton Branch22 West Yokuts AvenueStockton, CA 95207
Waterloo Branch4426 E. State Highway 88 On Waterloo RoadStockton, CA 95215
Livermore Branch2300 First Street Suite 100Livermore, CA 94550
Valley Community Bank Branch465 Main StreetPleasanton, CA 94566
San Jose Branch1150 Bascom Avenue, Suite 29San Jose, CA 95128