Baybank

Overview / Commentary

906-428-4040

104 South Tenth Street
Gladstone, MI 49837

Baybank is headquartered in Gladstone and is the 74^th largest bank in the state of Michigan. It is also the 3,943^rd largest bank in the nation. It was established in 1912 and as of September of 2019, it had grown to 28 employees at 3 locations. Baybank has a B+ health rating.

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Health

B+

Data as of Q3 2019

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Health Grade Components

Overall
FDIC Certificate #	1092
Year Established	1912
Employees	28
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.13%
Return on Equity - YTD	12.36%
Annual Interest Income	$3.8MM

Assets and Liabilities
Assets	Q3 2019vs Q3 2018	$106.6MM$96.4MM
Loans	Q3 2019vs Q3 2018	$77.0MM$71.3MM
Deposits	Q3 2019vs Q3 2018	$91.4MM$83.3MM
Equity Capital	Q3 2019vs Q3 2018	$10.0MM$8.8MM
Loan Loss Allowance	Q3 2019vs Q3 2018	$711.00K$692.00K
Unbacked Noncurrent Loans	Q3 2019vs Q3 2018	$1.2MM$604.00K
Real Estate Owned	Q3 2019vs Q3 2018	$252.00K$469.00K

Rates

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Baybank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.75%^*	-	$10k	Kasasa Saver
OTHER TIERS: 0.10% → $10k+

Baybank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.00%^*	-	$10k	Kasasa Cash
OTHER TIERS: 0.05% → $10k+

Locations

Baybank Locations
Baybank	104 South Tenth Street	Gladstone, MI 49837
Escanaba Branch	2404 Third Avenue North	Escanaba, MI 49829
Rapid River Branch	10513 North Main Street	Rapid River, MI 49878

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