Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Exceeds federal requirements for lending in low- and moderate-income communities
Exam Date
Exam Type
Regulator
Total Assets
$313M
Total Deposits
$259M
Net Loans
$129M
Net Income
$864K
ROA
1.11%
Above avg for Small banks. Peer avg: 0.44%
ROE
11.25%
Risk-Based Capital
23.79%
Above avg for Small banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Small peer group (same asset tier).
Unlock peer list → See which specific banks are in this peer group.
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 163 | 71.78% | 20.25% |
| 2023 | 146 | 77.4% | 17.81% |
| 2022 | 210 | 68.1% | 23.81% |
| 2021 | 278 | 75.9% | 15.83% |
| 2020 | 279 | 81.72% | 12.90% |
| 2019 | 194 | 75.26% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Jan 2021 | Outstanding | Small Bank |
| Dec 2014 | Outstanding | Small Bank |
| Jul 2009 | Outstanding | Small Bank |
3 previous ratings locked — back to 1996
Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.
One-time payment · No subscription required
Exam dates and details are paywalled
Total Branches
3
Branch Deposits
$260M
1-Year Change
0
5-year net change: +1 branches
Copy this snippet to embed a live rating badge on your website:
<iframe src="https://bankscorer.com/widget/bank/bay-bank" width="320" height="80" frameborder="0" scrolling="no" style="border:none" ></iframe>
Updates automatically when the rating changes.
Preview:
| 2018 | 253 | 69.57% | 16.21% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red