Call reports 2026
BAYBANK — 2026
What BAYBANK reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 175,122,000 | 173,382,000 |
| Total loans | 132,373,000 | 136,781,000 |
| Allowance for loan losses | 1,925,000 | 1,969,000 |
| Securities available for sale | 24,669,000 | 23,713,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 147,582,000 | 145,827,000 |
| Interest-bearing deposits | 131,296,000 | 128,702,000 |
| Noninterest-bearing deposits | 16,286,000 | 17,125,000 |
| Equity capital | 17,197,000 | 17,338,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 2,630,000 | 5,348,000 |
| Interest expense | 733,000 | 1,465,000 |
| Net interest income | 1,897,000 | 3,883,000 |
| Noninterest income | 198,000 | 391,000 |
| Noninterest expense | 1,280,000 | 2,818,000 |
| Provision for loan losses | 60,000 | 120,000 |
| Pretax income | 755,000 | 1,336,000 |
| Income tax | 148,000 | 276,000 |
| Net income | 607,000 | 1,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 18,481,000 | 18,639,000 |