BayVanguard Bank
Baltimore, MD
IDRSSD: 242976
Total Assets
$901.72M
Latest filing
Total Deposits
$687.53M
Latest filing
Net Interest Margin
4.63%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
BayVanguard Bank
7114 N Point Rd
Baltimore, MD 21219
Full Service - Brick and Mortar
Updated 11/14/2025Established 09/01/1873FDIC Certificate 45361
Branches (11)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| BayVanguard Bank (Main) | 7114 N Point Rd | Baltimore, MD |
| WOODS ROAD BRANCH | 803 Woods Rd | Cambridge, MD |
| THE HURLOCK BRANCH | 100 Pine St | Hurlock, MD |
| YARD 56 BRANCH | 5525 Eastern Avenue | Baltimore, MD |
| FORT AVE BRANCH | 921 E Fort Ave | Baltimore, MD |
| HIGH STREET BRANCH | 304 High St | Cambridge, MD |
| PERRY HALL BRANCH | 8639 Belair Rd | Baltimore, MD |
| MOUNTAIN RD BRANCH | 125 Mountain Rd | Pasadena, MD |
Showing 7 of 11
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 | 09/01/1873 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 21219 |
| State and County Number | 24005 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 05 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Baltimore-Columbia-Towson, MD |
Operational Info
| Number of Employees | 106 |
| Domestic Offices | 14 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/29/2023 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.bayvanguard.com |
| Data Updated | 11/14/2025 |
| CERT | 32527 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $901.72M |
| Total Deposits | $687.53M |
| Total Liabilities | $711.47M |
| Total Equity Capital | $190.25M |
| Net Income | $4.05M |
| Net Loans and Leases | $737.60M |
| Assets Per Employee ($Millions) | $8.59M |
| Bank Premises and Fixed Assets | $13.42M |
| Cash and Balances due from Depository Institutions | $63.55M |
| Deposits Held in Domestic Offices | $687.53M |
Key Performance Ratios
| Return on Assets (ROA) | 1.8% |
| Return on Equity (ROE) | 8.57% |
| Net Interest Margin | 4.63% |
| Efficiency Ratio | 55.79% |
| Tier 1 Risk-Based Capital Ratio | 25.54% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.45% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 21.099% |
| Earning Assets to total Assets | 92.64% |
Income and Expense
| Total Interest Income | $12.53M |
| Total Noninterest Income | $682.00k |
| Total Interest Expense | $2.86M |
| Total Noninterest Expense | $5.82M |
| Net Interest Income | $9.67M |
| Pre-tax Net Operating Income | $5.54M |
| Provision for Credit Losses | $-1,015,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $7.16M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $16.77M |
| Total Liabilities and Capital | $901.72M |
Securities
| Securities | $40.27M |
| Available-for-sale debt securities | $34.48M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $5.79M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of BayVanguard Bank?
$901.72M as of the latest filing.
How much are BayVanguard Bank's total deposits?
$687.53M in total deposits.
Where is BayVanguard Bank located?
Baltimore, MD.
What is the Net Interest Margin?
4.63%.
How many domestic offices does it operate?
14.
When was it established?
09/01/1873.
What is the Return on Assets (ROA)?
1.8%.
How much are total loans and leases?
$737.60M (latest filing).
What is the total interest income (latest filing)?
$12.53M.