Overview / Commentary
7114 North Point Road
Baltimore, MD 21219

Bay-Vanguard Federal Savings Bank is headquartered in Baltimore and is the 39th largest bank in the state of Maryland. It is also the 3,248th largest bank in the nation. It was established in 1873 and as of June of 2018, it had grown to 36 employees at 4 locations. Bay-Vanguard Federal Savings Bank has a B+ health rating.


Health Grade Components

FDIC Certificate #32527
Year Established1873
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.3%
Return on Equity - YTD2.44%
Annual Interest Income$3.4MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$167.3MM$171.0MM
LoansQ2 2018vs Q2 2017$124.6MM$126.2MM
DepositsQ2 2018vs Q2 2017$141.4MM$145.1MM
Equity CapitalQ2 2018vs Q2 2017$20.7MM$20.6MM
Loan Loss AllowanceQ2 2018vs Q2 2017$1.8MM$2.1MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$842.00K$1.2MM
Real Estate OwnedQ2 2018vs Q2 2017$595.00K$117.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Bay-Vanguard Federal Savings Bank Savings Account Rates

0.35%$10-IRA Statement Accounts
0.35%$10-Business IRA Statement Accounts
0.10%$50-Statement Savings Accounts
0.10%$50-Business Statement Savings Accounts

Bay-Vanguard Federal Savings Bank Money Market Rates

0.30%*$50k*-Money Market Accounts
OTHER TIERS: 0.05% $100 - $2.5k | 0.15% $2.5k - $10k | 0.20% $10k - $25k | 0.25% $25k - $50k
0.30%*$50k*-Business Money Market Accounts
OTHER TIERS: 0.05% $100 - $2.5k | 0.15% $2.5k - $10k | 0.20% $10k - $25k | 0.25% $25k - $50k

Bay-Vanguard Federal Savings Bank Checking Account Rates

0.10%$100-Interest Checking
0.10%$5k-Business Interest Checking

Bay-Vanguard Federal Savings Bank CD Rates

3.00%$1k-59 Month CD Special
3.00%$1k-36 Month CD Special
3.00%$1k-48 Month CD Special
3.00%$1k-Business 36 Month CD Special
3.00%$1k-Business 48 Month CD Special
3.00%$1k-Business 59 Month CD Special
2.15%$1k-13 Month CD Special
2.15%$1k-Business 13 Month CD Special
2.08%$1k-60 Month CD
2.08%$1k-Business 60 Month CD
1.85%$1k-43 - 59 Month CD
1.85%$1k-Business 43 - 59 Month CD
1.73%$1k-25 - 42 Month CD
1.73%$1k-Business 25 - 42 Month CD
1.67%$1k-13 - 24 Month CD
1.67%$1k-Business 13 - 24 Month CD
1.30%$1k-7 - 12 Month CD
1.30%$1k-Business 7 - 12 Month CD
0.75%$1k-36 Month Bump-Up CD
0.75%$1k-Business 36 Month Bump-Up CD
0.73%$1k-4 - 6 Month CD
0.73%$1k-Business 4 - 6 Month CD

Bay-Vanguard Federal Savings Bank IRA Rates

3.00%$1k-59 Month IRA Special
3.00%$1k-36 Month IRA Special
3.00%$1k-Business 36 Month IRA Special
3.00%$1k-Business 59 Month IRA Special
2.15%$1k-13 Month IRA Special
2.15%$1k-Business 13 Month IRA Special
2.08%$1k-60 Month IRA
2.08%$1k-Business 60 Month IRA
1.85%$1k-43 - 59 Month IRA
1.85%$1k-Business 43 - 59 Month IRA
1.73%$1k-25 - 42 Month IRA
1.73%$1k-Business 25 - 42 Month IRA
1.67%$1k-13 - 24 Month IRA
1.67%$1k-Business 13 - 24 Month IRA
1.30%$1k-7 - 12 Month IRA
1.30%$1k-Business 7 - 12 Month IRA
0.75%$1k-36 Month Bump-Up IRA
0.75%$1k-Business 36 Month Bump-Up IRA
0.73%$1k-4 - 6 Month IRA
0.73%$1k-Business 4 - 6 Month IRA

Bay-Vanguard Federal Savings Bank Locations
Essex Branch532 Eastern AvenueBaltimore, MD 21221
Bay-Vanguard Federal Savings Bank7114 North Point RoadBaltimore, MD 21219
Pasadena Branch8070 Ritchie HwyPasadena, MD 21122
Fort Ave Branch921 East Fort Avenue, Suite 102Baltimore, MD 21230

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