BayVanguard Bank
Total assets
$868.7M
▼ -3.5% YoY
Deposits
$689.1M
▼ -0.9% YoY
Loans
$704.2M
▼ -5.1% YoY
Offices
12
BV FINANCIAL INC
ROA (annualized)
1.01%
peers 1.28%
ROE (annualized)
5.57%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | BayVanguard Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.5% | +4.9% | -8.4 pts |
| Deposit growth (YoY) | -0.9% | +4.3% | -5.2 pts |
| Loan growth (YoY) | -5.1% | +5.3% | -10.5 pts |
| ROA | 1.01% | 1.28% | -0.3 pts |
| ROE | 5.6% | 12.4% | -6.9 pts |
ROA ranks in the 32nd percentile of its peer group · Q2 2026
Profile
- Established
- 1873
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- BV FINANCIAL INC
- Specialization
- Commercial Lending Specialization
- Address
- 7114 N Point Rd, Baltimore, MD, 21219
- County
- Baltimore
- Metro area
- Baltimore-Columbia-Towson, MD
- Offices
- 12
- FDIC cert #
- 32527
- RSSD ID
- 242976
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $868.7M | $689.1M | $704.2M | $162.6M | $4.5M | 1.01% | 4.45% | 0.39% |
| Q1 2026 | $901.6M | $686.6M | $729.0M | $161.9M | $1.0M | 0.46% | 4.29% | 0.29% |
| Q4 2025 | $903.0M | $689.3M | $748.1M | $160.2M | $14.6M | 1.61% | 4.55% | 0.25% |
| Q3 2025 | $901.7M | $687.5M | $737.6M | $190.3M | $9.5M | 1.40% | 4.47% | 0.39% |
| Q2 2025 | $900.6M | $695.1M | $742.2M | $188.0M | $5.4M | 1.20% | 4.39% | 0.50% |
| Q1 2025 | $914.2M | $694.7M | $741.3M | $186.4M | $2.2M | 0.99% | 4.25% | 0.54% |
| Q4 2024 | $904.1M | $686.3M | $729.2M | $184.7M | $13.5M | 1.52% | 4.51% | 0.46% |
| Q3 2024 | $884.2M | $682.8M | $685.0M | $183.4M | $11.2M | 1.69% | 4.54% | 0.46% |
Loan mix (Q2 2026): real estate $673.5M · commercial $16.2M · consumer $13.2M · securities $37.9M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | BayVanguard Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 1.28% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 12.4% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.45% | 3.89% | 81th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.0% | 61.2% | 64th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | BayVanguard Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | BayVanguard Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | BayVanguard Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | BayVanguard Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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