BAY
CUCapitola, CA
Total Assets
$1.9B
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Total Loans
$1.2B
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BAY in CA reported a Texas Ratio of 1.1% in Q1 2026, down -0.3pp from the prior quarter. Nonperforming assets declined to 0.17%, a decrease of -0.04pp.
Portfolio composition
| Category | Balance | % of total | NPL % | Charge-off % |
|---|---|---|---|---|
| 1-4 family — 1st lien | $491M | 41.8% | — | — |
| 1-4 family — junior lien | $109M | 9.3% | — | — |
| Multifamily | $16M | 1.4% | — | — |
| FOUNDATION Consumer Auto New — Unlock to view | ||||
| FOUNDATION Consumer Auto Used — Unlock to view | ||||
| FOUNDATION Consumer Credit Card — Unlock to view | ||||
| FOUNDATION Consumer Other Unsecured — Unlock to view | ||||
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20-quarter trend panels
See how Texas Ratio, NPL %, and charge-offs evolved across the last 5 years.
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Peer cohort comparison
Benchmark against banks in the same size and geography cohort.
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Full portfolio composition
Every loan category, NPL ratio, and charge-off rate — beyond the top 3.
BAY currently appears on: Under-Reserved Lenders