Side-by-side · Q2 2026 data
Baybank vs Bay Port State Bank
Metric by metric
| Measure | Baybank | Bay Port State Bank |
|---|---|---|
| TellerScore | 56 | 71 (stronger) |
| Capital cushion | 57 | 59 (stronger) |
| Loan quality | 33 | 78 (stronger) |
| Earnings | 69 | 73 (stronger) |
| Funding & liquidity | 63 | 64 (stronger) |
| Problem-loan coverage | 71 | 91 (stronger) |
| Peer percentile | 13th | 47th |
| Total assets | $173.4M | $153.4M |
| Deposits / shares | $145.8M | $136.1M |
| Capital ratio | 10.71% | 10.89% (stronger) |
| Problem loans | 2.02% | 0.65% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.18% |
| Return on assets | 1.23% | 1.34% (stronger) |
| Loans ÷ deposits | 92.4% (stronger) | 95.8% |
| Uninsured deposits | 19.6% | 10.6% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bay Port State Bank has the higher TellerScore (71 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Baybank leads on 2 and Bay Port State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.