# BAY BANK
GREEN BAY, WI · FDIC certificate 34052 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $315.7M | |
| Deposits | $264.9M | |
| Loans and leases | $133.9M | |
| Total equity | $31.3M | |
| Loans / deposits | 49.59% (p6 of band) | 82.04% |
| Liquid assets / assets | 53.31% (p94 of band) | |
| Uninsured deposits / deposits | 37.00% (p83 of band) | 25.97% |
| Brokered deposits | 21.19% | |
| Wholesale funding | 25.35% (p96 of band) | |
| FHLB advances / assets | 0.52% | |
| Tier 1 leverage | 11.19% (p58 of band) | 10.81% |
| Unrealized securities loss / equity | -17.21% (p27 of band) | -8.10% |
| AOCI / equity | -3.72% (p2 of band) | |
| ROA (annualized) | 1.12% (p40 of band) | 1.28% |
| Net interest margin | 4.15% (p64 of band) | 3.91% |
| Efficiency ratio | 65.20% (p62 of band) | |
| Noncurrent loans | 2.03% (p89 of band) | 0.43% |
| Net charge-offs (annualized) | 0.03% (p68 of band) | |
| Reserve coverage of noncurrent | 93.40% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 38.75% (p45 of band) | |
| Auto loans | $8.0M (5.96% of loans; DQ 4.41%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 1.8% | |
| Employees | 40 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 3 | reserve under noncurrent |  |
| 2011-09 | 4 | noncurrent p90 |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 6 | deposits shrinking, assets shrinking |  |
| 2012-06 | 6 | uninsured deposits leaving | brokered >10% |
| 2012-09 | 4 | charge-offs p90 | reserve under noncurrent, noncurrent p90, uninsured deposits leaving |
| 2012-12 | 5 | losing money |  |
| 2013-03 | 2 |  | wholesale funding >15%, charge-offs p90, losing money |
| 2013-06 | 4 | noncurrent p90, charge-offs p90 |  |
| 2013-09 | 5 | reserve under noncurrent |  |
| 2013-12 | 4 |  | deposits shrinking |
| 2014-03 | 4 | deposits shrinking | charge-offs p90 |
| 2014-06 | 3 |  | assets shrinking |
| 2014-09 | 3 | charge-offs p90 | deposits shrinking |
| 2014-12 | 2 |  | reserve under noncurrent |
| 2015-03 | 1 |  | charge-offs p90 |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | capital falling |  |
| 2015-12 | 2 | charge-offs p90 | noncurrent p90 |
| 2016-03 | 0 |  | capital falling, charge-offs p90 |
| 2016-06 | 1 | charge-offs p90 |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | charge-offs p90 |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | deposits shrinking |  |
| 2018-12 | 0 |  | deposits shrinking |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 2 | uninsured deposits >50%, capital falling |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | capital falling |
| 2022-03 | 2 | NIM <2.5% |  |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | NIM <2.5% |
| 2022-09 | 3 | uninsured deposits leaving | uninsured deposits >50% |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 1 |  | uninsured deposits leaving |
| 2023-12 | 1 |  |  |
| 2024-03 | 3 | capital falling, charge-offs p90 |  |
| 2024-06 | 4 | brokered >10%, wholesale funding >15% | capital falling |
| 2024-09 | 2 |  | securities losses >30% of equity, charge-offs p90 |
| 2024-12 | 5 | securities losses >30% of equity, noncurrent p90, reserve under noncurrent |  |
| 2025-03 | 4 |  | securities losses >30% of equity |
| 2025-06 | 4 |  |  |
| 2025-09 | 5 | charge-offs p90 |  |
| 2025-12 | 5 |  |  |
| 2026-03 | 4 |  | charge-offs p90 |
| 2026-06 | 3 |  | noncurrent p90 |

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

- 2025-11-17 [Bay Bank: Building Economic Strength Through Tribal Development Partnerships - Tribal Business News](https://news.google.com/rss/articles/CBMi1gFBVV95cUxOenhLdHRrQkV5UnZKVlFDcXpjMlg1QW5uZVhyaGxmbS02Qk1QcWJIdDdDU1A0Um9jeVpIUTA1MkpUT0hCSno0T2J1dGd4OHBJdkFWZktZR0x1akc4dm9GSXotXzd6MXZCTzMweDA1a1M4NFowTnlXOGpDdXZLMER5WkVkNjBfemtzbS0tb0dNQnZvQjJTeHF5RE1rdFNPc096OEl3eUlEdmFJNFN1ZmxRYUJFQUNQS0RkbnhyWThlaFkteTlLS1NhdWYxT3h2RXh4SjNjVmhR?oc=5) · Tribal Business News
- 2025-11-12 [Former Green Bay bank executive sentenced for $412K theft from employer - WLUK](https://news.google.com/rss/articles/CBMi6wFBVV95cUxORnEyREQ5aE50OC1SQ3pRNE51Q1hFaDIzRzJBTnNBVE1pYklDSDRVME4xNzhBXzFxMFl1RVpGMEE0Ni14STQ2X2s2WjhfVFdtSmhoeXY3ODlEMDJoVTRxVnhuNFNVdmF6eVZWcTk3WUtLWVhpSUU3ZGpfWWh6ZFczZ3FRa2ZxR09SdmwyYnJkWE56Z3hDeGp0OW1FR1pRSExKd1F1VW8tQW5oeUxaWHJzNnF3MzFHNFB1YzZmakRCdHgwbnM5clhBTjZtMUpsMERQNl9rbF9faWV4Z0hEQ3hoN3pzS2lSaEQ3VVZB?oc=5) · WLUK
- 2025-04-03 [Downtown Green Bay bank property sold for $2.65M. What does the new owner have planned? - Green Bay Press-Gazette](https://news.google.com/rss/articles/CBMi1wFBVV95cUxNejRsdUhWNkxVUFB6aVpNX0xqSDA2d1lDLXdIMm43emNMaWRvVXZxM1J6d1hqd01UbHktcThHZ2hITm1hcVBFR2VlWWcyQm12VU5icm9FbmF3VHB0YkZYb0YteW53M0RXbjR1M2UtYm9XUEo3YmJNS2Q2WTlQWGdJMklWUDdRZHB6bnF5Rm9nQW56YWUtQVNFRENhZ1lMQnhaYzZfQnJ2UTByR2xtbl9sLWw1Q1J5WGV1VHRyeUtmV3k0Vm5UY2phRWtBLTNjX1ZaaGY3Rm5TSQ?oc=5) · Green Bay Press-Gazette
- 2021-01-07 [Police: Bank robbery suspect caught while waiting for a ride - WBAY](https://news.google.com/rss/articles/CBMikwFBVV95cUxOa2NDc3o1QVkwQ1dvcDFremljYjNUMndYYmZfRFIxZE5lbDlVazBxSU5nLUxDVlE3N1F5c2hMdVNpLUZmWmNJR2JhRmFaeFp6VzNnYXl0R1JFbV96cGtoc3N4b3dpR1o5MjVmT2tqZ3VFV0NrbE9pcFJNQUZQTF96Yjhta041c3VTUm5VLVFqY0h3N2vSAacBQVVfeXFMUDA4MlZiMlZBVkdhcXZnR2otcDl4ZWpWYUx5WE9PUmt2UHVtb1QxUzJ1T0JLWjZrZC03NUV5NHptOXNNampFSDN2ZXVaSGJ4WVV3VzRJYjExQ1F2TGl5Rmd6NFpLTGZYbVgxcnU3WFUzSGNVNXlrYkQyOER3TnNKU0RJSkZ3Q0ZBcDh1a0l0eVVxdTZNUlVkTWxRTFVvQzBrVzJQTXVSZDg?oc=5) · WBAY
- 2020-08-24 [Oneida Nation-owned Bay Bank plans branch on Menominee reservation - Tribal Business News](https://news.google.com/rss/articles/CBMivAFBVV95cUxOd2l6QmVhYjl0Y0ZaWXNrV1BEMGkyZ19DZzhJVVhSaGt0dmRXbmlFSVo2QVE1NzZkMUFVWTY2ZTduWDJPUXZjSmJyNTkzdTJJLThqc3FhWUp6S3BWOVlJdGZIOVZsOWIwSUF3eWlUQXdXZENCTEkzZmpidlRGdHI1ajZBRHRJZnduVlVOaFNwQlZJcENGN1lUUU9vZVpWTFdfYzRqdm1SZ0tBYzFoSVZtSHl5bkFBcGZmZGNnTQ?oc=5) · Tribal Business News
- 2024-03-21 [New Wisconsin law inspired by Green Bay bank robbery tightens 'loophole' - WLUK](https://news.google.com/rss/articles/CBMi_gFBVV95cUxOUGNLU2liRnpfS2lhTWR5bFd3SG55Sm5GSDZIUndsVDNTUWd2bkF2WFVSNTVpaFM4MGRFRHZWRjhTUnE3MldZM0JFQ181dzlvV1plRllBam5RM1c0N3pWam5IZGtNRF9xN3ZDcTJWTXpWMmxsUUYtdzlYdTFMeVNXRmo4dUgySFJBUXJfQUFQd1JhUk9EVWtJc0JReFE3QzhtQUJVYjJmVzd1NHQweGtZczV2WkJEdTRlWVJja2JRaW02c0VlT2paT2s4a0tCMHZjOW5nQmdFOUQ5UzhSUW9sODlOTmtmV3JwUmNGcHJ4ZUk3Z01CV0FqeHdQcVNjQQ?oc=5) · WLUK
- 2015-11-24 [Bay Bank opens on West Mason Street - Green Bay Press-Gazette](https://news.google.com/rss/articles/CBMipAFBVV95cUxPWkU4ZVhHZ3VreXUwS3Q2d3JvSmlXZkV2MzNLVEVsUm5qRjExYWdvdm5WSnVKaEE3bEZOR3ROeGljWHBWc0xKaktkVnJGbWlWNWtkWlZOb3VfbGFNWXJ0cWo2dGlnUnFKcHFKTXFMZmROU0VtelVkRkpJZ1NTQjBYS0tvaFJpMGlZR3JXb21JaWhpb1d6Nk1CT0FVXzJHZmdEZ3BlRg?oc=5) · Green Bay Press-Gazette
- 2024-06-06 [Man who robbed Green Bay bank to receive health care in jail, gets probation - WLUK](https://news.google.com/rss/articles/CBMi7wFBVV95cUxNRVFTT1gzUmtxY1BvdEhsd1J0aUFPWERjX1RTeXR6bDlMNTAzeS1kLWIxWVJJNGZrNFZTUkhUTVN5U2hlV293SDhVdFFxbjBRdnJBMmFBSE50VWN6dHBXS0RlUm9kb29QYnlISElZY1IwVkFCdE5yZUduTHh5UmNGUGYyb0dvSHBpZnpIbGFRbElkbEFHb0szV0FiemZXbTBsLXhvS2NuYmQzVnFEbkFiVVc3VnRyVkZmVFphQzZzVnI3QU16ellJaXpWWFBlbmY2cUliOEhBQnJUakstOThSS1pUT0FzczhxN0ZkazJSdw?oc=5) · WLUK

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34052 (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/4.json (key "34052", 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