🏦Bank Scorer

BAY BANK

GREEN BAY, WI · Supervised by FDIC

Est. 1995FDIC #34,052RSSD: FDIC-34052
Part ofBAY BCORP INC→ View all charters
Outstanding Same

Current rating · Exam: January 2021

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.11%

Institution Profile

FDIC BankFind

Address

2555 Packerland Dr, GREEN BAY, WI

County

Brown County

Established

August 21, 1995

Total Assets

$313M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

January 1, 2021

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 5 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$313M

Total Deposits

$259M

Net Loans

$129M

Net Income

$864K

ROA

1.11%

ROE

11.25%

Risk-Based Capital

23.79%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate20.25%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$260M

1-Year Change

0

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202416371.78%20.25%
202314677.4%17.81%
202221068.1%23.81%
202127875.9%15.83%
202027981.72%12.90%
201919475.26%12.89%
201825369.57%16.21%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 1996

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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