The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 10 points (49 → 59), mostly because the loan quality component improved by 32 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Wisconsin

Yes. Bay Bank is an FDIC-insured institution (FDIC certificate #34052). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 37.0% of deposits ($98.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.19%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 23.56% (benchmark: 10%).

Check how much of your own balance is covered

Bay Bank lists 3 offices in 2 cities. Most locations:

• Green Bay, WI (2)
• Keshena, WI (1)

All branch addresses and map

In 2025, Bay Bank reported 151 home-loan applications under HMDA (LEI 254900ACGDT107SC5E82): 82 originated ($12,030,000 total), 52 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 34.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Bay Bank

Type

State-chartered bank

FDIC certificate #

34052

RSSD ID

2329200

Primary regulator

FDIC

Holding company

Bay Bcorp Inc

Established

August 21, 1995

Headquarters

2555 Packerland Dr, Green Bay, WI 54313

Website

www.baybankgb.com

Employees

40