$735M
−2.0%y/y
Percentile by value97th percentileby value
FDIC
LNLSGRBB
BayVanguard Bank
Baltimore, MarylandFDIC Cert #32527
STATEEstablished 187312 branches
Holding company: BV FINANCIAL INCRegulator: FDIC
FDIC
CERT + OFFDOMPortfolio 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
| Category | Balance |
|---|---|
| Owner CRE | $78.9M |
| Investor CRE | $289M |
| Multifamily | $36.8M |
| Construction | $28.5M |
| 1–4 family | $254M |
| C&I | $15.1M |
| Agriculture | $7.76M |
| Other | $25.5M |
Loan book
Reported balances and balance-sheet intensity.
$729M
−1.7%y/y
Percentile by value97th percentileby value
FDIC
LNLSNET−1.66%
−128.3%y/y
Percentile by value13th percentileby value
FDIC
LNLSNET106.2%
−0.5%y/y
Percentile by value96th percentileby value
FDIC
LNLSNET + DEP80.9%
−0.3%y/y
Percentile by value86th percentileby value
FDIC
LNLSNET + ASSET96.27%
+1.2%y/y
Percentile by value84th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
227%
+13.1%y/y
Percentile by value71st percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC18%
−7.4%y/y
Percentile by value27th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC2,900points
+3.5%y/y
Peer standing22nd percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD10.73%
−2.8%y/y
Percentile by value42nd percentileby value
FDIC
LNRENROW + LNLSGR39.32%
−2.3%y/y
Percentile by value97th percentileby value
FDIC
LNRENROT + LNLSGR2.05%
+17.0%y/y
Percentile by value8th percentileby value
FDIC
LNCI + LNLSGR