BayVanguard Bank: how it compares with its peers
Against 12 MD banks with half to twice its assets, BayVanguard Bank's strongest measure in Q2 2026 is net interest margin (4.45% vs. a 3.66% peer median). Its weakest relative measure is efficiency ratio (66.00% vs. 61.78%).
| Measure | BayVanguard Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.01% | 1.03% | Middle third Ahead of 50% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.45% | 3.66% | Top third Ahead of 92% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 66.00% | 61.78% | Bottom third Ahead of 25% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.6M | $7.8M | Top third Ahead of 75% of peers |
| Loans to deposits Net loans and leases over total deposits. | 102.18% | 85.40% | Context |
What it means for lending operations
Its efficiency ratio of 66.00% is above the 61.78% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Farmers and Merchants Bank Upperco, MD · $874M
- Hebron Savings Bank Hebron, MD · $839M
- Harford Bank Aberdeen, MD · $777M
- The Queenstown Bank of Maryland Queenstown, MD · $730M
- Presidential Bank, FSB Bethesda, MD · $1.01B
- Calvin B. Taylor Banking Company of Berlin, Maryland Berlin, MD · $1.02B
Questions about BayVanguard Bank
How big is BayVanguard Bank?
BayVanguard Bank, established in 1873, is headquartered in Baltimore, MD. It reported $869M in total assets in its Q2 2026 FDIC call report and operates 12 offices.
What is BayVanguard Bank's return on assets?
1.01% annualized in Q2 2026, against a 1.03% median for 12 MD banks with half to twice its assets, ahead of 50% of them.
What is BayVanguard Bank's efficiency ratio?
66.00% in Q2 2026: it spent about 66 cents in noninterest expense for each dollar of revenue. The peer median is 61.78%, and lower is better.
Is BayVanguard Bank growing its loans?
Net loans shrank 5.1% over the year to Q2 2026, while deposits shrank 0.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MD banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Maryland bank ranked.