Baybank

Gladstone, MichiganFDIC Cert #1092

STATEEstablished 19123 branches

Holding company: BAYBANK CORPRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$20.8M
Investor CRE	$6.07M
Multifamily	$2.96M
Construction	$8.66M
1–4 family	$50.6M
C&I	$24M
Agriculture	$122K
Other	$19.1M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$132M

+7.4%y/y

Percentile by value61st percentileby value

FDICLNLSGR

Net loans

$130M

+7.4%y/y

Percentile by value61st percentileby value

FDICLNLSNET

Loans YoY

+7.37%

+71.4%y/y

Percentile by value62nd percentileby value

FDICLNLSNET

L/D

88.4%

+6.3%y/y

Percentile by value77th percentileby value

FDICLNLSNET + DEP

Loans/assets

74.5%

+1.5%y/y

Percentile by value76th percentileby value

FDICLNLSNET + ASSET

RE loans %

72.41%

+4.5%y/y

Percentile by value35th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

2,133points

+3.5%y/y

Peer standing64th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

15.73%

+14.6%y/y

Percentile by value78th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

4.58%

+0.1%y/y

Percentile by value32nd percentileby value

FDICLNRENROT + LNLSGR

C&I %

18.16%

+7.1%y/y

Percentile by value84th percentileby value

FDICLNCI + LNLSGR