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Overview / Commentary
104 South Tenth Street
Gladstone, MI 49837

Baybank is headquartered in Gladstone and is the 85th largest bank in the state of Michigan. It is also the 4,533rd largest bank in the nation. It was established in 1912 and as of June of 2017, it had grown to 29 employees at 3 locations. Baybank has a C+ health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Baybank has a relatively low asset base.

Health Grade Components

FDIC Certificate #1092
Year Established1912
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.74%
Return on Equity - YTD7.76%
Annual Interest Income$1.8MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$87.9MM$92.6MM
LoansQ2 2017vs Q2 2016$56.4MM$51.1MM
DepositsQ2 2017vs Q2 2016$75.2MM$83.5MM
Equity CapitalQ2 2017vs Q2 2016$8.8MM$8.6MM
Loan Loss AllowanceQ2 2017vs Q2 2016$634.00K$558.00K
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$868.00K$776.00K
Real Estate OwnedQ2 2017vs Q2 2016$680.00K$685.00K
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Baybank Savings Account Rates

0.75%*-$10kKasasa Saver
OTHER TIERS: 0.10% $10k+

Baybank Checking Account Rates

2.00%*-$10kKasasa Cash
OTHER TIERS: 0.05% $10k+

Baybank Locations
Baybank104 South Tenth StreetGladstone, MI 49837
Escanaba Branch2404 Third Avenue NorthEscanaba, MI 49829
Rapid River Branch10513 North Main StreetRapid River, MI 49878