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 Baybank
Baybank
| RSSD ID 242958 | CERTIFICATE 1092 | ABA NUMBER 91102894 |
| 104 S 10th St |
Quarter Ended : |
2025-12-31 |
| Gladstone, Michigan, 49837 |
Updated : |
2026-01-20 |
| baybank.us |
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| Institution Profile |
| Year Opened : |
1912 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
3 |
Number of Employees : |
36 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 168,773 |
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Total Interest Income | 10,238 |
| Total Liabilities | 152,044 |
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Total NonInterest Income | 858 |
| Total Bank Equity Capital | 16,729 |
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Total Interest Expense | 3,103 |
| Total Deposits | 143,827 |
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Total NonInterest Expense | 4,861 |
| Net Loans & Leases | 127,172 |
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Net Income | 2,361 |
| Loan Loss Allowance | 1,888 |
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Net Charge Offs | 34 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 128,830 |
| Total assets for the leverage ratio | 169,355 |
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Loans secured by real estate: | 85,173 |
| Tier 1 Leverage Ratio | 10.62 |
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Commercial and industrial loans | 23,624 |
| Off Balance Sheet Exposures (%) | 2.69 |
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Loans to individuals - Credit Cards | 36 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 19,829 |
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:· Baybank
