BlastPoint's Banking Scorecard
Bay Bank
Designations: ✓ CDFI-certified ✓ Minority Depository Institution
Green Bay, WI
3 branches across WI
Bay Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.15% above tier average
- + Efficiency Ratio 0.34% below tier average
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 81.0% in tier
- - Delinquency Rate 1.55% above tier average
- - ROA 0.16% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$312.7M
+1.6% YoY
+1.0% QoQ
|
-$73.4M |
$386.1M
+0.5% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.1% YoY
|
48% |
| Total Loans ? |
$128.6M
+11.0% YoY
+3.6% QoQ
|
-$127.1M |
$255.7M
+1.1% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.8% YoY
|
29% |
| Total Deposits ? |
$259.3M
-3.6% YoY
-2.7% QoQ
|
-$68.7M |
$328.0M
+0.1% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.2% YoY
|
47% |
| Return on Assets ? |
1.11%
+5.1% YoY
-13.9% QoQ
|
-0.16% |
1.27%
+12.9% YoY
|
1.50%
+15.4% YoY
|
1.23%
+13.4% YoY
|
45% |
| Net Interest Margin ? |
4.09%
+1.0% YoY
-0.9% QoQ
|
+0.15% |
3.93%
+6.0% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
62% |
| Efficiency Ratio ? |
64.95%
+21.4% YoY
+17.5% QoQ
|
-0.34% |
65.29%
-4.5% YoY
|
64.74%
-4.5% YoY
|
66.95%
-4.1% YoY
|
45% |
| Delinquency Rate ? |
2.44%
-24.9% YoY
+1.3% QoQ
|
+1.55% |
0.89%
+18.8% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 8.8% in tier |
| Loan-to-Deposit Ratio ? |
49.59%
+15.2% YoY
+6.4% QoQ
|
-27.04% |
76.64%
+0.8% YoY
|
86.53%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Top 9.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.00%
+12.3% YoY
-0.7% QoQ
|
+4.98% |
22.02%
-1.0% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.2% YoY
|
73% |
| Nonperforming Asset Ratio ? |
1.00%
-18.0% YoY
+3.9% QoQ
|
+0.36% |
0.64%
+19.7% YoY
|
0.63%
+35.0% YoY
|
0.67%
+19.3% YoY
|
19% |
| Tier 1 Capital Ratio ? |
22.53%
+4.7% YoY
-3.2% QoQ
|
+6.70% |
15.83%
+1.5% YoY
|
14.74%
+0.5% YoY
|
17.06%
+0.8% YoY
|
Top 9.2% in tier |
| Non-Interest Income / Assets ? |
0.14%
-40.7% YoY
-84.5% QoQ
|
-0.14% |
0.28%
+9.3% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.1% YoY
|
70% |
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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 (0)
Concerns (1)
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.