Baybank is a bank based in Gladstone, Michigan, established in 1912, with $175 million in total assets across 3 branches. By Trust Grade it ranks 23rd of 73 banks we track in Michigan. Its capital ratio of 9.8% trails most similarly sized banks (44th percentile), versus a Michigan median of 9.6%. It was profitable over the most recent period, with a 1.41% return on assets. No consumer complaints against Baybank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Baybank compares to Michigan peers
How we graded Baybank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.8% capital ratio)
- Strongly profitable (ROA 1.41%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Baybank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (3)
- 10513 N Main St, Rapid River, MI 49878
- 200 N Lincoln Rd, Escanaba, MI 49829
- 104 S 10th St, Gladstone, MI 49837
Are deposits at Baybank insured?
Yes. Baybank is an FDIC-insured bank (FDIC certificate #1092). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Baybank: frequently asked questions
Is Baybank a good bank?
Baybank earns a Bankzia Trust Grade of A (97/100, "Excellent"), based on a financial-strength score of 97/100 (it has no CFPB complaints on record). Strongly capitalized (9.8% capital ratio); Strongly profitable (ROA 1.41%).
Is Baybank FDIC-insured?
Yes. Baybank is a FDIC-insured bank (FDIC certificate #1092). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Baybank?
Baybank holds $175 million in total assets, ranking 23rd of 73 banks we track in Michigan. It operates 3 branches.
Does Baybank have CFPB complaints?
No CFPB complaints against Baybank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
