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BayVanguard Bank


Overview / Commentary
www.bayvanguard.com
410-477-5000
7114 North Point Road
Baltimore, MD 21219

BayVanguard Bank is headquartered in BALTIMORE and is the 12th largest bank in the state of Maryland. It is also the 1,125th largest bank in the nation. It was established in 1873 and as of June of 2024, it had grown to 116 employees at 14 locations. BayVanguard Bank's money market rates are 8X the national average, and it has a B+ health rating.

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Health
B+

Data as of Q2 2024

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Health Grade Components

Overall
FDIC Certificate #32527
Year Established1873
Employees116
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.6%
Return on Equity - YTD7.92%
Annual Interest Income$22.6MM
Assets and Liabilities
AssetsQ2 2024vs Q2 2023$888.4MM$912.1MM
LoansQ2 2024vs Q2 2023$693.8MM$694.5MM
DepositsQ2 2024vs Q2 2023$691.3MM$730.5MM
Equity CapitalQ2 2024vs Q2 2023$179.8MM$128.8MM
Loan Loss AllowanceQ2 2024vs Q2 2023$8.5MM$8.2MM
Unbacked Noncurrent LoansQ2 2024vs Q2 2023$8.2MM$4.5MM
Real Estate OwnedQ2 2024vs Q2 2023$170K$555K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

BayVanguard Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$50-Statement Savings Accounts
0.05%$10-IRA Statement Accounts

BayVanguard Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.48%$10k-Premier Money Market w/checking - 90 Days Intro Rate
3.73%*$1m*-Business Premier Money Market Savings
OTHER TIERS: 1.44% → $10k - $50k | 2.04% → $50k - $100k | 2.63% → $100k - $250k | 2.98% → $250k - $500k | 3.23% → $500k - $750k | 3.48% → $750k - $1m
3.73%$10k-Premier Money Market - 90 Days Intro Rate
3.73%$10k-Business Premier Money Market - 90 Days Intro Rate
3.63%*$100k*-Personal Premier Money Market Savings w/checking
OTHER TIERS: 1.84% → $10k - $50k | 3.04% → $50k - $100k
2.63%*$100k*-Personal Premier Money Market Savings
OTHER TIERS: 0.84% → $10k - $50k | 2.04% → $50k - $100k

BayVanguard Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$100-Interest Checking
0.05%$5k-Business Interest Checking

BayVanguard Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.53%$1k-60 Month CD
2.02%$1k-25 - 42 Month CD
2.02%$1k-43 - 59 Month CD
2.02%$1k-36 Month Bump-Up CD
1.51%$1k-4 - 6 Month CD
1.51%$1k-7 - 12 Month CD
1.51%$1k-13 - 24 Month CD

BayVanguard Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.53%$1k-60 Month IRA
2.02%$1k-25 - 42 Month IRA
2.02%$1k-36 Month Bump-Up IRA
2.02%$1k-43 - 59 Month IRA
1.51%$1k-4 - 6 Month IRA
1.51%$1k-7 - 12 Month IRA
1.51%$1k-13 - 24 Month IRA
Locations

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