Bay Bank: how it compares with its peers
Against 73 WI banks with half to twice its assets, Bay Bank's strongest measure in Q2 2026 is net interest margin (4.15% vs. a 3.85% peer median). Its weakest relative measure is return on assets (1.12% vs. 1.27%).
| Measure | Bay Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.12% | 1.27% | Middle third Ahead of 38% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.15% | 3.85% | Top third Ahead of 75% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.20% | 61.35% | Middle third Ahead of 40% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.9M | $7.0M | Top third Ahead of 68% of peers |
| Loans to deposits Net loans and leases over total deposits. | 49.59% | 86.78% | Context |
What it means for lending operations
Its efficiency ratio of 65.20% is above the 61.35% 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
- Citizens State Bank of Loyal Loyal, WI · $312M
- The First National Bank of River Falls River Falls, WI · $325M
- The Equitable Bank, S.S.B. Wauwatosa, WI · $327M
- State Bank of Newburg Newburg, WI · $328M
- Collins State Bank Collins, WI · $301M
- Northern State Bank Ashland, WI · $331M
Questions about Bay Bank
How big is Bay Bank?
Bay Bank, established in 1995, is headquartered in Green Bay, WI. It reported $316M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Bay Bank's return on assets?
1.12% annualized in Q2 2026, against a 1.27% median for 73 WI banks with half to twice its assets, ahead of 38% of them.
What is Bay Bank's efficiency ratio?
65.20% in Q2 2026: it spent about 65 cents in noninterest expense for each dollar of revenue. The peer median is 61.35%, and lower is better.
Is Bay Bank growing its loans?
Net loans grew 8.7% over the year to Q2 2026, while deposits grew 1.8%.
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 WI 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 Wisconsin bank ranked.