Baybank
Gladstone, MI
IDRSSD: 242958
Total Assets
$168.77M
Latest filing
Total Deposits
$143.83M
Latest filing
Net Interest Margin
4.86%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Baybank
104 S 10th St
Gladstone, MI 49837
Full Service - Brick and Mortar
Updated 01/30/2026Established 07/01/1912FDIC Certificate 737
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Baybank (Main) | 104 S 10th St | Gladstone, MI |
| RAPID RIVER BRANCH | 10513 N Main St | Rapid River, MI |
| THE LINCOLN BRANCH | 200 N Lincoln Rd | Escanaba, MI |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 07/01/1912 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 49837 |
| State and County Number | 26041 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Escanaba, MI |
Operational Info
| Number of Employees | 36 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://baybank.us |
| Data Updated | 01/30/2026 |
| CERT | 1092 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $168.77M |
| Total Deposits | $143.83M |
| Total Liabilities | $152.04M |
| Total Equity Capital | $16.73M |
| Net Income | $642.00k |
| Net Loans and Leases | $127.17M |
| Assets Per Employee ($Millions) | $4.69M |
| Bank Premises and Fixed Assets | $5.11M |
| Cash and Balances due from Depository Institutions | $9.43M |
| Deposits Held in Domestic Offices | $143.83M |
Key Performance Ratios
| Return on Assets (ROA) | 1.53% |
| Return on Equity (ROE) | 15.6% |
| Net Interest Margin | 4.86% |
| Efficiency Ratio | 58.9% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.14% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.912% |
| Earning Assets to total Assets | 93.77% |
Income and Expense
| Total Interest Income | $2.64M |
| Total Noninterest Income | $218.00k |
| Total Interest Expense | $735.00k |
| Total Noninterest Expense | $1.25M |
| Net Interest Income | $1.91M |
| Pre-tax Net Operating Income | $813.00k |
| Provision for Credit Losses | $60.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $7.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.22M |
| Total Liabilities and Capital | $168.77M |
Securities
| Securities | $24.78M |
| Available-for-sale debt securities | $24.78M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Baybank?
$168.77M as of the latest filing.
How much are Baybank's total deposits?
$143.83M in total deposits.
Where is Baybank located?
Gladstone, MI.
What is the Net Interest Margin?
4.86%.
How many domestic offices does it operate?
3.
When was it established?
07/01/1912.
What is the Return on Assets (ROA)?
1.53%.
How much are total loans and leases?
$127.17M (latest filing).
What is the total interest income (latest filing)?
$2.64M.