BlastPoint's Banking Scorecard
BayVanguard Bank
Community
Specialty: Commercial
MD
FDIC cert 32527
Baltimore, MD
1484
banks in Community tier nationally
13 in MD
View Community leaderboard (MD) →
BayVanguard Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 25.48% above tier
- + Tier 1 Capital Ratio 10.88% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 6% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$903.0M
-0.1% YoY
+0.1% QoQ
|
-$488.4M |
$1.4B
+2.0% YoY
|
$1.8B
+5.9% YoY
|
$5.9B
+6.5% YoY
|
43% |
| Total Loans ? |
$748.1M
+2.6% YoY
+1.4% QoQ
|
-$227.3M |
$975.5M
+2.4% YoY
|
$1.3B
+9.1% YoY
|
$3.1B
+8.5% YoY
|
53% |
| Total Deposits ? |
$689.3M
+0.4% YoY
+0.3% QoQ
|
-$475.3M |
$1.2B
+1.7% YoY
|
$1.6B
+8.9% YoY
|
$4.7B
+6.3% YoY
|
37% |
| Return on Assets ? |
1.61%
+6.3% YoY
+15.5% QoQ
|
+0.45% |
1.16%
+17.2% YoY
|
0.92%
+11.6% YoY
|
1.12%
+15.6% YoY
|
79% |
| Net Interest Margin ? |
4.55%
+0.9% YoY
+1.8% QoQ
|
+0.88% |
3.66%
+9.1% YoY
|
3.64%
+2.9% YoY
|
3.75%
+7.1% YoY
|
Top 12% in tier |
| Efficiency Ratio ? |
56.02%
+5.8% YoY
-4.5% QoQ
|
-6.61% |
62.63%
-5.3% YoY
|
68.23%
-2.6% YoY
|
65.09%
-5.1% YoY
|
70% |
| Delinquency Rate ? |
0.30%
-44.8% YoY
-36.6% QoQ
|
-0.33% |
0.63%
+18.3% YoY
|
0.71%
+11.8% YoY
|
0.66%
+20.3% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
108.54%
+2.2% YoY
+1.2% QoQ
|
+25.48% |
83.06%
+0.3% YoY
|
87.22%
+2.3% YoY
|
78.04%
+0.7% YoY
|
Top 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.25%
-8.7% YoY
-5.0% QoQ
|
+0.20% |
21.05%
-0.9% YoY
|
20.12%
-3.1% YoY
|
21.79%
-1.3% YoY
|
56% |
| Nonperforming Asset Ratio ? |
0.25%
-45.5% YoY
-35.8% QoQ
|
-0.25% |
0.50%
+20.3% YoY
|
0.55%
+8.4% YoY
|
0.48%
+20.8% YoY
|
59% |
| Tier 1 Capital Ratio ? |
21.13%
-12.9% YoY
-17.3% QoQ
|
+10.88% |
10.24%
-0.6% YoY
|
10.97%
-3.7% YoY
|
9.75%
-1.9% YoY
|
Top 5% in tier |
| Non-Interest Income / Assets ? |
0.30%
+8.4% YoY
+41.1% QoQ
|
-0.44% |
0.74%
-1.3% YoY
|
0.52%
+0.9% YoY
|
0.65%
+0.6% YoY
|
23% |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 4%
in Community
Why this stands out
Current:
108.54%
(Tier avg: 83.06%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 5%
in Community
Why this stands out
Current:
21.13%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (1)
Liquidity Overhang
risk
#17 of 268 · Bottom 6% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
21.13%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
108.54%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Loan-to-Deposit Ratio
Current: 108.54% · Tier avg: 83.06%
95
95th pctile
Tier 1 Capital Ratio
Current: 21.13% · Tier avg: 10.24%
88
88th pctile
Net Interest Margin
Current: 4.55% · Tier avg: 3.66%
79
79th pctile
Return on Assets
Current: 1.61% · Tier avg: 1.16%
70
70th pctile
Efficiency Ratio
Current: 56.02% · Tier avg: 62.63%
61
61th pctile
Delinquency Rate
Current: 0.30% · Tier avg: 0.63%
59
59th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.50%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 21.25% · Tier avg: 21.05%
53
53th pctile
Total Loans
Current: $748.1M · Tier avg: $975.5M
43
43th pctile
Total Assets
Current: $903.0M · Tier avg: $1.4B
37
37th pctile
Total Deposits
Current: $689.3M · Tier avg: $1.2B
23
23th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.74%
Top Weaknesses
23
23th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.74%
37
37th pctile
Total Deposits
Current: $689.3M · Tier avg: $1.2B
43
43th pctile
Total Assets
Current: $903.0M · Tier avg: $1.4B
53
53th pctile
Total Loans
Current: $748.1M · Tier avg: $975.5M
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 21.25% · Tier avg: 21.05%
59
59th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.50%
61
61th pctile
Delinquency Rate
Current: 0.30% · Tier avg: 0.63%
70
70th pctile
Efficiency Ratio
Current: 56.02% · Tier avg: 62.63%
79
79th pctile
Return on Assets
Current: 1.61% · Tier avg: 1.16%
88
88th pctile
Net Interest Margin
Current: 4.55% · Tier avg: 3.66%
95
95th pctile
Tier 1 Capital Ratio
Current: 21.13% · Tier avg: 10.24%
96
96th pctile
Loan-to-Deposit Ratio
Current: 108.54% · Tier avg: 83.06%