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BayVanguard Bank

$100M-$1B Specialty: Commercial MD FDIC cert 32527

Baltimore, MD

12 branches across MD

2664 banks in the $100M-$1B peer group nationally 17 in MD
View $100M-$1B leaderboard (MD) →

BayVanguard Bank has 2 strengths but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.36% above tier average
  • + Delinquency Rate 0.53% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 2.5% in tier
  • - Liquidity Overhang: Bottom 8.8% in tier
  • - Deposit Outflow: Bottom 17.4% in tier
  • - Liquidity Strain: Bottom 39.2% in tier
  • - ROA 0.81% below tier average
  • - Efficiency Ratio 13.43% above tier average
Get updates when BayVanguard Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Total Assets ? $901.6M
-1.4% YoY -0.2% QoQ
+$515.5M $386.1M
+0.5% YoY
$1.8B
+4.9% YoY
$6.2B
+9.1% YoY
Top 3.6% in tier
Total Loans ? $729.0M
-1.7% YoY -2.6% QoQ
+$473.3M $255.7M
+1.1% YoY
$1.3B
+7.3% YoY
$3.2B
+10.8% YoY
Top 1.5% in tier
Total Deposits ? $686.6M
-1.2% YoY -0.4% QoQ
+$358.7M $328.0M
+0.1% YoY
$1.6B
+7.4% YoY
$4.8B
+8.2% YoY
Top 7.7% in tier
Return on Assets ? 0.46%
-53.3% YoY -71.4% QoQ
-0.81% 1.27%
+12.9% YoY
0.90%
+4.7% YoY
1.23%
+13.4% YoY
Bottom 12.3% in tier
Net Interest Margin ? 4.29%
+0.8% YoY -5.7% QoQ
+0.36% 3.93%
+6.0% YoY
3.69%
+5.2% YoY
3.89%
+5.7% YoY
72%
Efficiency Ratio ? 78.71%
+19.9% YoY +40.5% QoQ
+13.43% 65.29%
-4.5% YoY
68.69%
-3.5% YoY
66.95%
-4.1% YoY
17%
Delinquency Rate ? 0.36%
-45.0% YoY +18.7% QoQ
-0.53% 0.89%
+18.8% YoY
1.00%
+1.9% YoY
0.95%
+18.8% YoY
53%
Loan-to-Deposit Ratio ? 106.16%
-0.5% YoY -2.2% QoQ
+29.53% 76.64%
+0.8% YoY
87.36%
+2.8% YoY
76.70%
+0.9% YoY
Bottom 4.2% in tier
Non-Interest-Bearing Deposit Share ? 21.18%
-12.1% YoY -0.3% QoQ
-0.84% 22.02%
-1.0% YoY
20.21%
-0.6% YoY
22.01%
-1.2% YoY
50%
Nonperforming Asset Ratio ? 0.29%
-46.9% YoY +15.8% QoQ
-0.35% 0.64%
+19.7% YoY
0.86%
+7.2% YoY
0.67%
+19.3% YoY
51%
Tier 1 Capital Ratio ? 21.27%
-11.6% YoY +0.7% QoQ
+5.44% 15.83%
+1.5% YoY
16.27%
-0.9% YoY
17.06%
+0.8% YoY
Top 11.1% in tier
Non-Interest Income / Assets ? 0.06%
+0.8% YoY -80.6% QoQ
-0.22% 0.28%
+9.3% YoY
0.12%
-21.7% YoY
0.32%
+4.1% YoY
25%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (4)

Flatlined Growth

risk
#14 of 512 • Bottom 2.5% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.46%
(Tier: 1.27%, National: 1.23%)
worse than tier avg
512 of 512 Community banks match · 687 nationally
→ Stable +32 banks QoQ | QoQ rank improving

Liquidity Overhang

risk
#66 of 739 • Bottom 8.8% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 21.27%
(Tier: 15.83%, National: 17.06%)
better than tier avg
Loan-to-Deposit Ratio: 106.16%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
739 of 739 Community banks match · 939 nationally
→ Stable +13 banks QoQ | QoQ rank improving

Deposit Outflow

decline
#89 of 506 • Bottom 17.4% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally
→ Stable -8 banks QoQ

Liquidity Strain

risk
#253 of 643 • Bottom 39.2% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 106.16%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
643 of 643 Community banks match · 1013 nationally
→ Stable -50 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

41
Total Loans
size
Value: $728.97M
Peer Median: $255.72M
#41 of 2664 Top 1.5% in $100M-$1B
98
Total Assets
size
Value: $901.61M
Peer Median: $386.08M
#98 of 2664 Top 3.6% in $100M-$1B
206
Total Deposits
size
Value: $686.64M
Peer Median: $327.97M
#206 of 2664 Top 7.7% in $100M-$1B
298
Tier 1 Capital Ratio
capital
Value: 21.27%
Peer Median: 15.83%
#298 of 2664 Top 11.1% in $100M-$1B

Top Weaknesses (4 metrics)

2552
Loan-to-Deposit Ratio
liquidity
Value: 106.16%
Peer Median: 76.64%
#2552 of 2664 Bottom 4.2% in $100M-$1B
2338
Return on Assets
profitability
Value: 0.46%
Peer Median: 1.27%
#2338 of 2664 Bottom 12.3% in $100M-$1B
2217
Efficiency Ratio
profitability
Value: 78.71%
Peer Median: 65.29%
#2217 of 2664 Bottom 16.8% in $100M-$1B
2010
Non-Interest Income / Assets
revenue_mix
Value: 0.06%
Peer Median: 0.28%
#2010 of 2664 Bottom 24.6% in $100M-$1B
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