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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · Maryland, the state note

Bayvanguard Bank

Baltimore, Maryland · $869M in assets · beside the 11 other Maryland banks between $300M and $1B

The filing

103.1%
Loans / deposits
12th of 12
18.7%
Equity / assets
1st of 12
-5.5%
Loans, year over year
12th of 12, largest first

Bayvanguard Bank is the second largest of the 12 Maryland banks nearest its size between $300M and $1B, with $869M in assets at 30 June 2026. Loans are 103.1% of deposits, the highest in the cohort against a median of 84.6%, and equity is 18.7% of assets, the highest in the cohort. Loans grew -5.5% in the year, the slowest in the cohort, and deposits fell 0.9%; the cohort's median loan growth is +4.7%.

Noncurrent loans are 0.48% of the book, 7th of 12 against a median of 0.46%; 0.44% is 30 to 89 days past due, and the allowance covers them 1.8 times. Commercial real estate is 47.4% of loans, 11th of 12 against a median of 32.4%, and 215% of capital, below the 300% screen, with construction at 18% against the 100% screen.

Return on assets is 1.01%, 6th of 12 against a median of 0.99%, on an efficiency ratio of 66.5%, 8th of 12. Five years ago it was 1.39%. The question is what the capital is for: the balance sheet carries less risk than it could.

Loans as a share of depositsMD banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 84.6% HB Harbor Bank of Maryland 70.7% QB Queenstown Bank of Maryland 73.4% Bo Bank of Glen Burnie 75.0% WB Woodsboro Bank 77.1% FB Farmers Bank of Willards 84.0% HB Harford Bank 84.3% Bo Bank of Ocean City 84.9% HS Hebron Savings Bank 88.3% FM Farmers & Merchants Bank 88.4% FS First Shore Federal Savings & Loan Association 94.6% AB Arundel Bank 99.7% BB Bayvanguard Bank 103.1%
Loans, year over yearMD banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +4.7% Bo Bank of Glen Burnie +25.4% HB Harford Bank +17.7% HS Hebron Savings Bank +13.6% WB Woodsboro Bank +6.8% Bo Bank of Ocean City +6.3% FB Farmers Bank of Willards +5.2% QB Queenstown Bank of Maryland +4.1% FM Farmers & Merchants Bank +3.5% HB Harbor Bank of Maryland +1.8% FS First Shore Federal Savings & Loan Association +0.2% AB Arundel Bank +0.1% BB Bayvanguard Bank -5.5%

SBA 7(a), FY2008 to FY2026

Bayvanguard Bank is the 134th largest 7(a) lender into Maryland of 268, with $4M across 13 loans, 0.1% of everything approved in the state (Manufacturers and Traders Trust Company leads with $813M). 6 of its 6 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Maryland, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Talbot, MD$1M11th of 262.8%quiet FY2014
Dorchester, MD$1M6th of 167.6%quiet FY2011
Caroline, MD$675K7th of 143.6%quiet FY2012
Baltimore, MD$444K110th of 1300.1%quiet FY2022
Baltimore City, MD$265K101st of 1190.1%quiet FY2021
Queen Annes, MD$235K31st of 410.4%quiet FY2010
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Information1$1M27.2%0.02%395th of 958
Retail trade1$600K16.3%0.00%1785th of 2,589
Health care & social assistance1$500K13.6%0.00%1448th of 2,172
Manufacturing3$500K13.6%0.00%1671st of 2,246
Other services1$444K12.1%0.00%1525th of 2,248
7(a) lenders into Maryland, share of approvals since FY2008268 lenders on record; the ten largest and Bayvanguard Bank
Ma Manufacturers and Traders Trust C… 14.7% $813M · 6,207 loans TB Truist Bank 7.1% $393M · 890 loans LO Live Oak Banking Company 6.8% $373M · 273 loans FB Fulton Bank, National Association 3.9% $215M · 266 loans WF Wells Fargo Bank National Associa… 3.5% $193M · 719 loans AU Atlantic Union Bank 3.2% $177M · 415 loans HB Hanmi Bank 2.7% $148M · 166 loans FN First National Bank of Pennsylvan… 2.6% $141M · 301 loans RL Readycap Lending, LLC 2.1% $117M · 267 loans BB Beacon Bank and Trust 1.9% $106M · 96 loans BB Bayvanguard Bank 0.1% $4M · 13 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Bayvanguard BankRankCohort median
Total CRE against capital, the 300% screen215%6th of 12215%
Construction against capital, the 100% screen18%4th of 1230%
Construction and land development, share of loans3.9%4th of 124.3%
Non-owner-occupied nonfarm nonresidential, share of loans38.4%11th of 1223.4%
Total CRE, the guidance definition, share of loans47.4%11th of 1232.4%
CRE growth over 36 months, the third prong+12.1%3rd of 12+21.0%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Farmers & Merchants Bank$874M1.0%63.0%0.00%-0.02%0.7%88.4%9.1%
Bayvanguard Bank$869M1.0%66.5%0.48%-0.01%0.9%103.1%18.7%
Hebron Savings Bank$839M1.6%53.6%0.08%-0.07%1.3%88.3%12.8%
Harford Bank$777M1.1%59.5%0.91%0.01%1.2%84.3%9.6%
Queenstown Bank of Maryland$730M0.8%64.9%0.12%0.01%1.4%73.4%10.4%
Bank of Ocean City$695M1.4%46.2%0.59%0.00%0.7%84.9%11.0%
Farmers Bank of Willards$548M1.4%59.1%0.70%0.11%1.1%84.0%11.7%
Arundel Bank$492M0.2%92.7%0.44%0.00%0.6%99.7%13.5%
Woodsboro Bank$483M1.1%62.6%0.09%-0.02%1.2%77.1%7.1%
Bank of Glen Burnie$395M-0.1%95.4%0.25%0.12%1.2%75.0%5.4%
Harbor Bank of Maryland$383M0.4%90.0%1.89%-0.01%1.1%70.7%12.2%
First Shore Federal Savings & Loan Association$367M0.8%69.1%0.82%0.00%1.3%94.6%17.0%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Bayvanguard BankCohort median
20212026Change20212026Change
Loans$603M$710M+18%$316M$437M+38%
Deposits$685M$689M+1%$440M$545M+24%
NPA / loans1.17%0.48%-0.69 pts1.03%0.46%-0.56 pts
Efficiency47.0%66.5%+19.4 pts68.4%63.9%-4.5 pts
ROA1.39%1.01%-0.38 pts0.76%0.99%+0.24 pts

This read was prepared for Bayvanguard Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Bayvanguard Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort MD banks $300M to $1B
Institution www.bayvanguard.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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