Where is Baybank located?

Baybank is located at 104, S 10th St, Gladstone, MI 49837.

How can I contact Baybank?

You can contact Baybank by phone at (906) 428-4040.

Baybank

About

A community owned and operated bank serving Delta County in Michigan's Upper Peninsula since 1912, offering personal and business banking services including checking, savings, loans, and digital banking solutions.

1912

Founded

Reviews & Ratings

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SBA 7(a) Lending Analytics

SBA 7(a) Acquisition Loan Data As Of June 30, 2025

SBA Acquisition Loan Activity

Last 12 Months

1

Last 3 Years

1

YoY Growth

Data not available

Loan Size Distribution

As Of June 30, 2025

Median

$850K

Average

$850K

Top Industries Served

Industries with highest loan volume

1

NAICS

loans

N/A

avg. amount

1

NAICS

Loans

Avg. Amount

N/A

Interest Rate Analysis

All rates shown as spread over Prime Rate

Rate Distribution

Median Rate:Prime + 1.50%

Typical Range:Prime + 1.50% - 1.50%

Min / Max:Prime + 1.50% / 1.50%

Market Comparison

This Lender

Prime + 1.50%

Market Average

Prime + 1.25%

25 bps above market

Default Rate & Risk Profile

As Of June 30, 2025 - 10-year default rate indicates underwriting quality

10-Year Default Rate

0.0%

Bottom 10% of Lenders (Highest Default Rate)

Performance Ranking

100th

Lower is better among all lenders

Geographic Loan Distribution

As Of June 30, 2025 - States by loan volume (darker blue = higher volume)

Low

Medium

High

Very High