Bay Bank quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $313M | $259M | $129M | $31M | $864K | 1.11% | 11.25% | 4.09% | 2.39% |
| Q4 2025 | $310M | $266M | $124M | $31M | $1M | 1.29% | 14.30% | 4.12% | 2.36% |
| Q3 2025 | $304M | $259M | $126M | $29M | $949K | 1.23% | 14.05% | 4.08% | 2.39% |
| Q2 2025 | $303M | $260M | $121M | $27M | $1M | 1.22% | 14.37% | 4.08% | 2.99% |
| Q1 2025 | $308M | $269M | $116M | $26M | $774K | 1.06% | 12.87% | 4.04% | 3.18% |
| Q4 2024 | $278M | $244M | $111M | $22M | $981K | 1.44% | 18.43% | 3.98% | 2.53% |
| Q3 2024 | $269M | $233M | $110M | $24M | $977K | 1.44% | 18.63% | 3.94% | 1.14% |
| Q2 2024 | $267M | $236M | $108M | $20M | $926K | 1.43% | 19.35% | 3.91% | 0.89% |
| Q1 2024 | $265M | $236M | $104M | $19M | $939K | 1.46% | 19.86% | 3.92% | 0.30% |
| Q4 2023 | $249M | $225M | $101M | $19M | $1M | 1.01% | 14.50% | 3.50% | 0.38% |
| Q3 2023 | $237M | $215M | $90M | $14M | $437K | 0.76% | 11.14% | 3.33% | 0.45% |
| Q2 2023 | $221M | $200M | $88M | $16M | $421K | 0.77% | 10.77% | 3.32% | 0.34% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.