This institution is no longer active

Operations ceased on July 1, 2014. CRA examination history below reflects the period it was active.

BAY BANK

MOBILE, AL · Supervised by FDIC

Est. 1999FDIC #34,872RSSD: FDIC-34872

Part ofBCB HOLDING CO INC→ View all charters

Satisfactory

Current rating · Exam: May 2010

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.54%

Institution Profile

FDIC BankFind

Address

6140 Airport Blvd, MOBILE, AL

County

Mobile County

Established

September 22, 1999

Total Assets

$78M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

May 1, 2010

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 16 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q2 2014Call Report / FDIC

Total Assets

$78M

Total Deposits

$59M

Net Loans

$42M

Net Income

$-213K

ROA

-0.54%

ROE

-7.55%

Risk-Based Capital

9.26%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

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