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BDI
B

Baybank

Gladstone, MichiganFDIC Cert #1092

STATEEstablished 19123 branches

Holding company: BAYBANK CORPRegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
2.99%
−18.1%y/y
Peer standing7th percentile
Peer standing in asset:100m_300m
FDICP3ASSET + LNLSGR
90+ %
0.79%
+668.5%y/y
Peer standing7th percentile
Peer standing in asset:100m_300m
FDICP9ASSET + LNLSGR
Nonaccrual %
0.78%
−11.8%y/y
Peer standing27th percentile
Peer standing in asset:100m_300m
FDICNAASSET + LNLSGR
Noncurrent %
1.58%
+58.8%y/y
Peer standing18th percentile
Peer standing in asset:100m_300m
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
1.19%
+10.6%y/y
Peer standing16th percentile
Peer standing in asset:100m_300m
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$2.09M
+17.0%y/y
Peer standing18th percentile
Peer standing in asset:100m_300m
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.07%
+207.2%y/y
Peer standing18th percentile
Peer standing in asset:100m_300m
FDICNTLNLS + LNLSGR
NCO
$23K
+228.6%y/y
Peer standing17th percentile
Peer standing in asset:100m_300m
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.45%
+0.4%y/y
Percentile by value73rd percentileby value
Peer standing in asset:100m_300m
FDICLNATRES + LNLSGR
30–89
$3.95M
−12.1%y/y
Peer standing5th percentile
Peer standing in asset:100m_300m
FDICP3ASSET
90+
$1.05M
+725.2%y/y
Peer standing6th percentile
Peer standing in asset:100m_300m
FDICP9ASSET
Nonaccrual
$1.04M
−5.3%y/y
Peer standing24th percentile
Peer standing in asset:100m_300m
FDICNAASSET