Bayvanguard Bank (FDIC #32527): Bank Stress & Real-Estate Credit Exposure

Bayvanguard Bank (FDIC Cert #32527): bank stress 40/100, contained, STABLE over 7 days; parent BV FINANCIAL INC.

Bayvanguard Bank (#32527) lends in 6 counties across 1 state; Bayvanguard Bank (#32527) reaches 167 ZIP codes: Maryland 6 counties, 167 ZIPs.

Bayvanguard Bank (#32527) largest markets: Baltimore County, MD (171 branches, 57 ZIPs) (#32527), Anne Arundel County, MD (42 branches, 42 ZIPs) (#32527), Baltimore County, MD (66 branches, 33 ZIPs) (#32527), Harford County, MD (24 branches, 24 ZIPs) (#32527), Dorchester County, MD (57 branches, 19 ZIPs) (#32527), Talbot County, MD (32 branches, 16 ZIPs) (#32527).

Bayvanguard Bank (#32527) reports $868.7 million in total assets; Bayvanguard Bank (#32527) equity $162.6 million (18.7% of Bayvanguard Bank (#32527) assets); Bayvanguard Bank (#32527) domestic deposits $689.1 million; Bayvanguard Bank (#32527) net income $4.5 million; Bayvanguard Bank (#32527) return on assets 1.01%; Bayvanguard Bank (#32527) return on equity 5.57%; Bayvanguard Bank (#32527) net interest income $18.4 million; Bayvanguard Bank (#32527) call report June 30, 2026.

Bayvanguard Bank (#32527) noncurrent real-estate loans: none reported; Bayvanguard Bank (#32527) net charge-offs on real estate 0.39%; Bayvanguard Bank (#32527) residential charge-offs 0.34%.

Bayvanguard Bank (#32527) net interest margin 4.45% against an eight-quarter Bayvanguard Bank (#32527) average of 4.43% (Bayvanguard Bank (#32527) compression -0.02 points); Bayvanguard Bank (#32527) non-residential real estate 33.7% of equity; Bayvanguard Bank (#32527) rate-exposure score 40/100, Bayvanguard Bank (#32527) fixed-rate trap 40/100; Bayvanguard Bank (#32527) risk type rate trapped; Bayvanguard Bank (#32527) rate regime rates elevated, Bayvanguard Bank (#32527) snapshot October 19, 2026.

Bayvanguard Bank (#32527) stress score moved from 51.3 on June 22, 2026 to 39.6 on October 19, 2026; Bayvanguard Bank (#32527) ranged 39.6 to 51.3 over 116 snapshots.

Bayvanguard Bank (#32527) alerts: 6 counties; top Bayvanguard Bank (#32527) alert scores: Baltimore County, MD 28 (low); Easton County, MD 16 (low); Forest Hill County, MD 16 (low); Hurlock County, MD 16 (low); Pasadena County, MD 16 (low).