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Baybank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
baybank.us
906-428-4040
104 South Tenth Street
Gladstone, MI 49837

Baybank is headquartered in GLADSTONE and is the 57th largest bank in the state of Michigan. It is also the 3,286th largest bank in the nation. It was established in 1912 and as of March of 2025, it had grown to 31 employees at 3 locations. Baybank has a B+ health rating.

Reviews

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Health
B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #1092
Year Established1912
Employees31
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.24%
Return on Equity - YTD14.03%
Annual Interest Income$2.4MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$165.6MM$155MM
LoansQ1 2025vs Q1 2024$121.5MM$116.5MM
DepositsQ1 2025vs Q1 2024$146.1MM$136.5MM
Equity CapitalQ1 2025vs Q1 2024$14.7MM$12.5MM
Loan Loss AllowanceQ1 2025vs Q1 2024$1.8MM$1.6MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$1.2MM$1MM
Real Estate OwnedQ1 2025vs Q1 2024$560K$165K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates

Sorry, we do not have rate data for Baybank.

Locations


Baybank Locations
Baybank104 S 10th StGladstone, MI 49837
Escanaba Branch200 N Lincoln RdEscanaba, MI 49829
Rapid River Branch10513 North Main StreetRapid River, MI 49878

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