🏦Bank Scorer

BAYVANGUARD BANK

BALTIMORE, MD · Supervised by FDIC

Est. 1873FDIC #32,527RSSD: FDIC-32527
Part ofBV FINANCIAL INC→ View all charters
Satisfactory Down

Current rating · Exam: December 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.46%

Institution Profile

FDIC BankFind

Address

7114 N Point Rd, BALTIMORE, MD

County

Baltimore County

Established

September 1, 1873

Total Assets

$902M(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

Satisfactory

Meets federal requirements for community lending

Exam Date

December 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Dec 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$902M

Total Deposits

$687M

Net Loans

$729M

Net Income

$1M

ROA

0.46%

ROE

2.58%

Risk-Based Capital

22.20%

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 Rate6.76%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

14

Branch Deposits

$695M

1-Year Change

0

5-year net change: +4 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20247477.03%6.76%
20237573.33%13.33%
201911075.45%9.09%
20184967.35%12.24%

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

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 2 exams

1 previous rating locked — dating back to 2020

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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