Call reports 2026
BAY BANK — 2026
What BAY BANK 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 | 312,693,000 | 315,703,000 |
| Total loans | 131,079,000 | 133,910,000 |
| Allowance for loan losses | 2,479,000 | 2,533,000 |
| Securities available for sale | 134,850,000 | 141,234,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 259,308,000 | 264,914,000 |
| Interest-bearing deposits | 189,291,000 | 189,220,000 |
| Noninterest-bearing deposits | 70,017,000 | 75,694,000 |
| Equity capital | 30,731,000 | 31,326,000 |
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 | 3,564,000 | 7,246,000 |
| Interest expense | 586,000 | 1,183,000 |
| Net interest income | 2,978,000 | 6,063,000 |
| Noninterest income | 431,000 | 902,000 |
| Noninterest expense | 2,214,000 | 4,541,000 |
| Provision for loan losses | 50,000 | 125,000 |
| Pretax income | 1,145,000 | 2,298,000 |
| Income tax | 281,000 | 542,000 |
| Net income | 864,000 | 1,756,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 34,338,000 | 35,230,000 |
| Total capital | 36,251,000 | 37,212,000 |
| Risk-weighted assets | 152,381,000 | 157,917,000 |