Bank · FDIC insured
BayVanguard Bank
A $868.7M bank headquartered in Baltimore, MD, with 12 branches in Maryland. Best rates: CDs 2.53% and savings 0.05% APY.
BayVanguard Bank Carrot Score
61
Carrot Score
Higher than 3% of U.S. banks and credit unions
#42 of 47 in Baltimore, MD metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About BayVanguard Bank
Originally formed in Baltimore, Maryland in 1873, BayVanguard Bank operates 12 branch locations throughout Maryland.
The bank is a subsidiary of holding company BV Financial, Inc., majority-owned by mutual holding company Bay-Vanguard MHC, which is owned by bank depositors.
Originally named Light Street Saving and Building Association, it completed several mergers and conversions, adopting its current name in 2018 and merging with North Arundel Savings Bank in 2022.
- Headquarters
- 7114 N Point Rd, Baltimore, MD 21219
- FDIC certificate
- 32527 ↗
Branches
12 branches in Maryland
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Maryland
12 branches
Baltimore area · 7
- BayVanguard BankMain office7114 N Point Rd, Baltimore, MD 21219Directions
- Essex Branch532 Eastern Blvd, Baltimore, MD 21221Directions
- Fort Ave Branch921 E Fort Ave, Baltimore, MD 21230Directions
- Perry Hall Branch8639 Belair Rd, Baltimore, MD 21236Directions
- Yard 56 Branch5525 Eastern Avenue, Baltimore, MD 21224Directions
- Forest Hill Branch1920 Rock Spring Rd, Forest Hill, MD 21050Directions
- Mountain Rd Branch125 Mountain Rd, Pasadena, MD 21122Directions
Cambridge area · 3
- High Street Branch304 High St, Cambridge, MD 21613Directions
- Woods Road Branch803 Woods Rd, Cambridge, MD 21613Directions
- The Hurlock Branch100 Pine St, Hurlock, MD 21643Directions
Easton area · 2
- Glebe Road Branch8707 Commerce Dr, Easton, MD 21601Directions
- Idlewild Avenue Branch501 Idlewild Ave, Easton, MD 21601Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 17.13% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.48% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.01% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $103 | $81 | — |
- CapitalLeverage ratio17.13%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.48%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.01%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$103Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of BayVanguard Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.