# BAYVANGUARD BANK
BALTIMORE, MD · FDIC certificate 32527 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $868.7M | |
| Deposits | $689.1M | |
| Loans and leases | $710.4M | |
| Total equity | $162.6M | |
| Loans / deposits | 102.18% (p91 of band) | 82.04% |
| Liquid assets / assets | 12.29% (p9 of band) | |
| Uninsured deposits / deposits | 20.71% (p31 of band) | 25.97% |
| Brokered deposits | 5.80% | |
| Wholesale funding | 6.60% (p66 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 17.13% (p94 of band) | 10.81% |
| Unrealized securities loss / equity | -1.34% (p83 of band) | -8.10% |
| AOCI / equity | -0.03% (p72 of band) | |
| ROA (annualized) | 1.01% (p33 of band) | 1.28% |
| Net interest margin | 4.45% (p80 of band) | 3.91% |
| Efficiency ratio | 66.00% (p64 of band) | |
| Noncurrent loans | 0.48% (p53 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p10 of band) | |
| Reserve coverage of noncurrent | 182.98% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 17.16% (p22 of band) | |
| Auto loans | $89,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $7.1M (4% of equity) (p93 of band) | |
| Deposits YoY | -0.9% | |
| Employees | 101 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | securities losses >30% of equity, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 | uninsured deposits leaving | securities losses >30% of equity |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | uninsured deposits leaving |
| 2012-12 | 2 | uninsured deposits leaving |  |
| 2013-03 | 3 | deposits shrinking, assets shrinking | uninsured deposits leaving |
| 2013-06 | 1 |  | deposits shrinking, assets shrinking |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | charge-offs p90 |  |
| 2014-09 | 1 |  | charge-offs p90 |
| 2014-12 | 2 | deposits shrinking |  |
| 2015-03 | 3 | charge-offs p90 |  |
| 2015-06 | 4 | assets shrinking |  |
| 2015-09 | 3 |  | assets shrinking |
| 2015-12 | 2 |  | deposits shrinking |
| 2016-03 | 2 |  |  |
| 2016-06 | 4 | losing money, noncurrent p90 |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 3 |  | noncurrent p90 |
| 2017-03 | 2 |  | losing money |
| 2017-06 | 1 |  | reserve under noncurrent |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | charge-offs p90 |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | deposits shrinking |  |
| 2019-03 | 1 | loans exceed deposits | deposits shrinking |
| 2019-06 | 2 | reserve under noncurrent |  |
| 2019-09 | 3 | charge-offs p90 |  |
| 2019-12 | 1 |  | reserve under noncurrent, charge-offs p90 |
| 2020-03 | 4 | liquid assets <10%, reserve under noncurrent, uninsured deposits leaving |  |
| 2020-06 | 3 | capital falling | reserve under noncurrent, uninsured deposits leaving |
| 2020-09 | 2 |  | capital falling |
| 2020-12 | 1 | reserve under noncurrent | loans exceed deposits, liquid assets <10% |
| 2021-03 | 2 | capital falling |  |
| 2021-06 | 1 |  | capital falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | loans exceed deposits, deposits shrinking | reserve under noncurrent |
| 2023-06 | 0 |  | loans exceed deposits, deposits shrinking |
| 2023-09 | 1 | loans exceed deposits |  |
| 2023-12 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2024-03 | 2 |  | noncurrent p90 |
| 2024-06 | 2 | deposits shrinking | reserve under noncurrent |
| 2024-09 | 1 |  | deposits shrinking |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | uninsured deposits leaving |  |
| 2025-12 | 1 |  | uninsured deposits leaving |
| 2026-03 | 2 | uninsured deposits leaving |  |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-05 [Man Convicted of 20 Counts Related to BayVanguard Bank Robbery - WMDT](https://news.google.com/rss/articles/CBMilwFBVV95cUxPd1NiQ2xzRm93VlFJRENtQVNud045clNEQ3hEXzk2eENjenY5STlGakRTNnRDUUtPajhtZFpEamFRNnBla0pmNTlIWDduTUJRNHhYeDhjX2JiMVIyRWF0OFNXRHRyX0VaRjZqNjhPdFVXY2xUMmE0VHhtYWxNMGM0cnBwd3lwaFk3LUUxYTdEcWt5MnJrMUxr?oc=5) · WMDT
- 2025-09-26 [Bank robbery in Hurlock under investigation - WBOC TV](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQUGF0dDNoWWhpYlJXeEFnWnVHM2NCaWlMNWVGclB6d3g2ZkFTSUdBaFJpa0Z0aFpIYTVHTVprTHJhWjJzVFNyUmUtWkx3eUNBaE1ycjhqajNnd2pycExBdmxEVkltTVlyZWRSUFVnZ2RUekpyd3FLYS04OTM4SWxnLTBCLVhtWU92OTkwSl9jNEktR0xqalZPbkFnY2IyM0t0WXpzdUF4ak5vTzhPNDdFNm1lT0hERGUzSEtB?oc=5) · WBOC TV
- 2021-03-07 [1880 Bank becomes BayVanguard - MyEasternShoreMD](https://news.google.com/rss/articles/CBMizgFBVV95cUxNM0VFR0hnQ1ZhRW5XX3hBd3oyamxSQlNab1JmWXA4MTYtOVhPZEY0Tm1GNWRBakVSS0RHWkJEd09BR0tySDIyUUNaV3N4MEpUU3I2RkZINnhfblVZUk1SZE11RVFDV21WTV9fYkp2VEVaNVZSYzVUb2lCSDBDMUw5LXA4YnpZRElUZkQ2V1dZd1pEUnFUSzB3TEdfWGlZTFpiLXA0emxPQnoySjZqTTFVQWJKVWl6NGlKV0FWS29QdnhrSFA2TndFbVByMG8zUQ?oc=5) · MyEasternShoreMD
- 2024-11-14 [Oxford considers moving bank account for better interest rates - The Star Democrat](https://news.google.com/rss/articles/CBMi5wFBVV95cUxNTjJFZEtWN3VmQnpZa2UzR1V1X0lZanltX3BiSU1sZ1dMMkxmZEF6ZW1RLTQxeHBuMVVRTVJCZFhuSmVETUNSZWs1ZEJpUFQ4M0pRREN2LUkzM3JOYmZNdlRQc0hoODN2SVE2VUV0VGRMZjFmNnV4V2NCV2ppeVpFblB3c3Ftekxua3VBempZTE0xbUdSTFdqNGt3YkRCcURKVW81bkZvdExFUHl2cklaQmY5ZEJQVjV3Nk9QWmk5dFZldTZIS1ZYdXF0d3RtVWMtekNKWFRFQkR2NXJ2UVQzanozUHVEbkE?oc=5) · The Star Democrat
- 2020-06-18 [BV Financial to buy Delmarva Bancshares in merger of Maryland banks - Banking Dive](https://news.google.com/rss/articles/CBMikwFBVV95cUxOel93ellIcV8zc210SW9kRGt5TEplZ3lVQV90MlNvNElKOTRrZmpQYTNMcl9nRmd3UnkwSFlud2tneHJ3ZzJZam0yMEFNZ3dTYTJEMTlBS1NRSTNiRHJDOUNPUm53d09vRGZGVWpRMkJiS3NCWTg4eHp2cXFsWG5pNWdXS29qN2xyaVY2UjF5OEN3ZFE?oc=5) · Banking Dive
- 2024-04-04 [Dundalk bank steps up to help customers in wake of bridge collapse - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxQWUFlMDhhZ0JXSnhGekZwcTFyMmZZaUN4NEdNYklLTUswU0t4Uk5wQnYtYU1FanhwSHZ4RWY1UFpzLUtESGpKRmNISC0xcml4TDNqaW1EaXBCUnYxQjcySExMXzdIek40U29xc2x3NG5BeDFScm9rNkZuN0dVMExvUkVMZ25lQjZURHd5MUYwdlNRazctR2hHUVlPWTA0Zl93?oc=5) · The Business Journals
- 2019-09-06 [BayVanguard Bank to acquire Madison Bank of Maryland - Baltimore Sun](https://news.google.com/rss/articles/CBMimAFBVV95cUxPQUlEUGFDajdNSUt4X0tQZ01mRjloT0xKRFg1SDVYc3F0T3lVYzBIODkxVnRjemo0WXdOZk9SdHBDWDdaTWpXUHJrMjg3czgxeC1OYWNMS0hUQ1kzTjF6d19tUmM0TktaOXNxd1BxMG5xV29IRW1oSnFSN3pXMXFpNXgtSHBsX0VTajhZQVZRUmw0OE9hSjdBUQ?oc=5) · Baltimore Sun
- 2022-02-10 [Tim Prindle, Co-President & CEO of BayVanguard Bank - 93.1 WPOC](https://news.google.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?oc=5) · 93.1 WPOC

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32527 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/15.json (key "32527", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide