BlastPoint's Banking Scorecard
Bay Bank
Micro
Specialty: Other
WI
FDIC cert 34052
Designations: ✓ Community bank
Green Bay, WI
2498
banks in Micro tier nationally
88 in WI
View Micro leaderboard (WI) →
Bay Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 14.42% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.77% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$309.7M
+11.3% YoY
+1.7% QoQ
|
+$92.2M |
$217.5M
+2.3% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
74% |
| Total Loans ? |
$124.1M
+11.4% YoY
-1.3% QoQ
|
-$15.0M |
$139.2M
+2.8% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
51% |
| Total Deposits ? |
$266.4M
+9.1% YoY
+2.8% QoQ
|
+$82.8M |
$183.7M
+1.8% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
74% |
| Return on Assets ? |
1.29%
-10.4% YoY
+4.6% QoQ
|
+0.20% |
1.08%
+14.7% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
64% |
| Net Interest Margin ? |
4.12%
+3.6% YoY
+0.9% QoQ
|
+0.27% |
3.85%
+6.6% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
64% |
| Efficiency Ratio ? |
55.30%
+4.4% YoY
+0.1% QoQ
|
-12.43% |
67.73%
-4.8% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
80% |
| Delinquency Rate ? |
2.41%
-6.5% YoY
-1.1% QoQ
|
+1.77% |
0.64%
+24.4% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 10% in tier |
| Loan-to-Deposit Ratio ? |
46.60%
+2.1% YoY
-4.0% QoQ
|
-27.93% |
74.53%
+0.5% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
Top 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.18%
-4.2% YoY
+6.2% QoQ
|
+4.79% |
22.39%
-1.3% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
71% |
| Nonperforming Asset Ratio ? |
0.96%
-6.5% YoY
-4.0% QoQ
|
+0.51% |
0.45%
+25.1% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
20% |
| Tier 1 Capital Ratio ? |
23.27%
+10.4% YoY
+4.9% QoQ
|
+14.42% |
8.85%
-3.4% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
Top 9% in tier |
| Non-Interest Income / Assets ? |
0.89%
-10.5% YoY
+32.6% QoQ
|
+0.33% |
0.56%
+0.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
Top 10% in tier |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
23.27%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Delinquency Rate
metric
Bottom 10%
in Micro
Why this stands out
Current:
2.41%
(Tier avg: 0.64%, National avg: 0.66%)
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
91
91th pctile
Tier 1 Capital Ratio
Current: 23.27% · Tier avg: 8.85%
90
90th pctile
Non-Interest Income / Assets
Current: 0.89% · Tier avg: 0.56%
90
90th pctile
Loan-to-Deposit Ratio
Current: 46.60% · Tier avg: 74.53%
80
80th pctile
Efficiency Ratio
Current: 55.30% · Tier avg: 67.73%
74
74th pctile
Total Deposits
Current: $266.4M · Tier avg: $183.7M
74
74th pctile
Total Assets
Current: $309.7M · Tier avg: $217.5M
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 27.18% · Tier avg: 22.39%
64
64th pctile
Return on Assets
Current: 1.29% · Tier avg: 1.08%
64
64th pctile
Net Interest Margin
Current: 4.12% · Tier avg: 3.85%
51
51th pctile
Total Loans
Current: $124.1M · Tier avg: $139.2M
20
20th pctile
Nonperforming Asset Ratio
Current: 0.96% · Tier avg: 0.45%
10
10th pctile
Delinquency Rate
Current: 2.41% · Tier avg: 0.64%
Top Weaknesses
10
10th pctile
Delinquency Rate
Current: 2.41% · Tier avg: 0.64%
20
20th pctile
Nonperforming Asset Ratio
Current: 0.96% · Tier avg: 0.45%
51
51th pctile
Total Loans
Current: $124.1M · Tier avg: $139.2M
64
64th pctile
Net Interest Margin
Current: 4.12% · Tier avg: 3.85%
64
64th pctile
Return on Assets
Current: 1.29% · Tier avg: 1.08%
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 27.18% · Tier avg: 22.39%
74
74th pctile
Total Assets
Current: $309.7M · Tier avg: $217.5M
74
74th pctile
Total Deposits
Current: $266.4M · Tier avg: $183.7M
80
80th pctile
Efficiency Ratio
Current: 55.30% · Tier avg: 67.73%
90
90th pctile
Loan-to-Deposit Ratio
Current: 46.60% · Tier avg: 74.53%
90
90th pctile
Non-Interest Income / Assets
Current: 0.89% · Tier avg: 0.56%
91
91th pctile
Tier 1 Capital Ratio
Current: 23.27% · Tier avg: 8.85%