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BayVanguard Bank

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

Baltimore, MD

12 branches across MD

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 16 in MD.
  • Deposits -0.9% year over year ($689.1M on the books).
  • Delinquency rate 0.48%.
  • Return on assets 1.01%.
  • Efficiency ratio 66.00% vs a 64.48% peer average.
  • Loan-to-deposit ratio 102.18% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 16 in MD
View $100M-$1B leaderboard (MD) →

BayVanguard Bank has 2 strengths but faces 5 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 0.46% above tier average
  • + Delinquency Rate 0.44% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 9.7% in tier
  • - Liquidity Strain: Bottom 13.5% in tier
  • - Margin Compression: Bottom 13.7% in tier
  • - Deposit Outflow: Bottom 21.7% in tier
  • - Cost Spiral: Bottom 39.9% in tier
Get updates when BayVanguard Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Total Assets ? $868.7M
-3.5% YoY -3.6% QoQ
+$482.1M $386.6M
+1.2% YoY
$1.8B
+4.0% YoY
$6.3B
+7.7% YoY
Top 4.9% in tier
Total Loans ? $704.2M
-5.1% YoY -3.4% QoQ
+$445.8M $258.3M
+1.7% YoY
$1.3B
+3.8% YoY
$3.2B
+9.4% YoY
Top 2.3% in tier
Total Deposits ? $689.1M
-0.9% YoY +0.4% QoQ
+$362.4M $326.7M
+0.7% YoY
$1.6B
+4.1% YoY
$4.9B
+7.3% YoY
Top 7.5% in tier
Return on Assets ? 1.01%
-15.7% YoY +119.2% QoQ
-0.31% 1.32%
+10.8% YoY
0.92%
+12.6% YoY
1.30%
+12.1% YoY
34%
Net Interest Margin ? 4.45%
+1.4% YoY +3.8% QoQ
+0.46% 3.99%
+5.0% YoY
3.72%
+5.0% YoY
3.95%
+4.9% YoY
78%
Efficiency Ratio ? 66.00%
+9.7% YoY -16.2% QoQ
+1.52% 64.48%
-3.2% YoY
67.38%
-3.5% YoY
70.05%
+2.5% YoY
39%
Delinquency Rate ? 0.48%
-18.3% YoY +35.2% QoQ
-0.44% 0.92%
+15.7% YoY
1.07%
+9.6% YoY
0.98%
+16.3% YoY
47%
Loan-to-Deposit Ratio ? 102.18%
-4.3% YoY -3.8% QoQ
+24.23% 77.95%
+1.0% YoY
87.38%
+1.5% YoY
79.03%
+2.3% YoY
Bottom 7.7% in tier
Non-Interest-Bearing Deposit Share ? 20.72%
-11.7% YoY -2.2% QoQ
-1.32% 22.03%
-0.6% YoY
20.47%
+3.3% YoY
21.98%
-0.6% YoY
49%
Nonperforming Asset Ratio ? 0.39%
-22.4% YoY +35.6% QoQ
-0.28% 0.67%
+16.4% YoY
0.90%
+8.0% YoY
0.69%
+15.8% YoY
45%
Tier 1 Capital Ratio ? 22.40%
-8.4% YoY +5.3% QoQ
+6.49% 15.91%
+1.4% YoY
16.33%
+1.1% YoY
17.09%
+0.8% YoY
Top 9.7% in tier
Non-Interest Income / Assets ? 0.11%
-17.1% YoY +96.2% QoQ
-0.45% 0.57%
+7.6% YoY
0.25%
+1.8% YoY
0.66%
+5.2% YoY
23%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Noninterest-Bearing 20.7%
-2.7pp YoY
-0.5pp QoQ
 -1.4pp 22.1% 21.3% 22.2% 48%
Brokered Deposits 7.3%
+0.1pp YoY
0.0pp QoQ
 -0.5pp 7.9% 10.7% 8.5% 65%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
C&I 2.3%
+0.4pp YoY
+0.2pp QoQ
 -9.3pp 11.6% 8.9% 12.5% 8%
CRE 58.8%
-1.2pp YoY
-0.6pp QoQ
 +19.3pp 39.5% 50.0% 41.4% 83%
1-4 Family 35.4%
+2.2pp YoY
+0.6pp QoQ
 +2.8pp 32.6% 37.9% 31.3% 62%
Consumer 1.9%
-0.3pp YoY
-0.1pp QoQ
 -2.2pp 4.1% 3.2% 5.0% 46%

Capital

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
CET1 Ratio 22.4%
-2.1pp YoY
+1.1pp QoQ
 +3.6pp 18.8% 16.4% 19.7% 84%
Leverage Ratio 17.1%
-2.6pp YoY
+0.3pp QoQ
 +5.0pp 12.2% 13.0% 12.6% 93%
Total Capital Ratio 23.3%
-2.4pp YoY
+1.1pp QoQ
 +3.4pp 19.9% 17.5% 20.8% 84%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Full-Time Employees 101
-5 (-4.7%) YoY
-2 (-1.9%) QoQ
 +42 58 170 482 87%
Assets per Employee ($) $8.6M
+1.2% YoY
-1.7% QoQ
 +$1.1M $7.5M $9.4M $8.8M 75%
Branch Count 12
-2 (-14.3%) YoY
0 QoQ
 +7 4 9 18 95%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 0.5%
-0.1pp YoY
+0.1pp QoQ
 -0.5pp 0.9% 1.1% 1.0% 52%
Allowance Coverage 1.83x
-12.5% YoY
-25.7% QoQ
 -22.32x 24.15x 46.66x 20.23x 45%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 15%

Profitability

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
ROE 5.6%
-0.2pp YoY
+3.0pp QoQ
 -6.6pp 12.2% 8.0% 11.6% 15%
Cost of Funds (YTD) 1.4%
+0.1pp YoY
-0.1pp QoQ
 -0.3pp 1.7% 1.9% 1.7% 32%
Net Income ($, YTD) $4.5M
-17.1% YoY
— QoQ
 +$1.9M $2.6M $8.4M $40.4M 84%

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 (5)

Liquidity Overhang

risk
#73 of 742 • Bottom 9.7% 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: 22.40%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 102.18%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Liquidity Strain

risk
#94 of 691 • Bottom 13.5% 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: 102.18%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Margin Compression

decline
#43 of 307 • Bottom 13.7% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.01%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ

Deposit Outflow

decline
#117 of 535 • Bottom 21.7% in tier

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

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank declining

Cost Spiral

risk
#56 of 138 • Bottom 39.9% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 66.00%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

63
Total Loans
size
Value: $704.16M
Peer Median: $258.35M
#63 of 2643 Top 2.3% in $100M-$1B
130
Total Assets
size
Value: $868.71M
Peer Median: $386.57M
#130 of 2643 Top 4.9% in $100M-$1B
200
Total Deposits
size
Value: $689.12M
Peer Median: $326.73M
#200 of 2643 Top 7.5% in $100M-$1B
258
Tier 1 Capital Ratio
capital
Value: 22.40%
Peer Median: 15.91%
#258 of 2643 Top 9.7% in $100M-$1B
592
Net Interest Margin
profitability
Value: 4.45%
Peer Median: 3.99%
#592 of 2643 Top 22.4% in $100M-$1B

Top Weaknesses (2 metrics)

2440
Loan-to-Deposit Ratio
liquidity
Value: 102.18%
Peer Median: 77.95%
#2440 of 2643 Bottom 7.7% in $100M-$1B
2024
Non-Interest Income / Assets
revenue_mix
Value: 0.11%
Peer Median: 0.57%
#2024 of 2643 Bottom 23.5% in $100M-$1B
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