Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | Yes |
| Date certified (as listed) | 24 Jun 2026 |
| RSSD ID | 2329200 |
| Address | PO BOX 10855, Green Bay, WI 54307 Directions to the main office (Google Maps) |
| Website | Not given on the official list (listed as “Non given”) |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Not yet verifiedWe have not yet read this lender's website, so we can't list its loan products, sizes or service area. That doesn't mean it lacks them. The official list gives no website for this lender; contact it at the address above.
Questions to ask when you contact them
We have no details from their website yet, so these are the basics to ask any lender. Something missing here does not mean they don't offer it: ask.
- What kinds of loans do you make, and which one fits what I need?
We have no loan details from their website. - Do you lend where I live, or where my business is?
- What are the smallest and the largest loans you make?
- What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
- What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$5.8 million in 8 awards from the U.S. Treasury's CDFI Fund, 2019–2024 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Bank Enterprise Award Program | $280,369 |
| 2024 | Small Dollar Loan Program | $252,927 |
| 2023 | Bank Enterprise Award Program | $382,159 |
| 2022 | CDFI Equitable Recovery Program | $2,478,839 |
| 2021 | Bank Enterprise Award Program | $170,699 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | Bank Enterprise Award Program | $202,898 |
| 2019 | Bank Enterprise Award Program | $245,547 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as Bay Bank (FDIC cert 34052). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $315.7 million (as of 30 Jun 2026) |
|---|---|
| Offices | 3 (as of 30 Oct 2026) |
Offices by state and county (3)
Wisconsin (3 offices)
- Brown County (2): 2555 Packerland Dr, Green Bay 54313 (main office); 2550 W Mason St, Green Bay 54303
- Menominee County (1): N201 Hwy 47-55, Keshena 54135
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by Bay Bank (RSSD 2329200, FDIC cert 34052). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $133.9 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 8.6% from $123.3 million on 30 Jun 2025 |
| Total assets | $315.7 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $45.4 million | 33.9% |
| Home equity lines of credit | $1.2 million | 0.9% |
| Commercial real estate, construction and multifamily | $53.2 million | 39.8% |
| Commercial and industrial (business) loans | $24.2 million | 18.1% |
| Consumer loans (credit cards, auto, other) | $9.8 million | 7.3% |
| All other loans and leases | $66,000 | <0.1% |
None reported on the 30 Jun 2026 report: farmland and farm production loans.
Within consumer loans: auto loans $8 million, credit cards $544,000.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 16 loans $815,000 | 226 loans $8.5 million |
| $100,001 to $250,000 | 12 loans $2.2 million | 45 loans $6.3 million |
| $250,001 to $1 million | 34 loans $16.9 million | 17 loans $6.9 million |
| All small business loans | 62 loans $19.9 million | 288 loans $21.8 million |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Bay Bank reported 82 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $12M (median loan about $115,000). 32 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 32 | 39% |
| Refinance (incl. 19 cash-out) | 21 | 26% |
| Home improvement | 17 | 21% |
| Other purpose | 12 | 15% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 82 | 100% |
Included above: 3 loans on manufactured homes.
Where the loans were made
Counties with the most 2025 originations, out of 19 counties with at least one; 100% of its 2025 loans were for properties in Wisconsin:
- Brown County, WI (23)
- Outagamie County, WI (20)
- Menominee County, WI (11)
- Shawano County, WI (8)
- Bayfield County, WI (4)
Filed under LEI 254900ACGDT107SC5E82 as “Bay Bank”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $315.7 million | Larger than 40% of the 321 other certified banks and bank holding companies nationwide (median $383.2 million). |
| Loans as a share of assets | 42% | Median of the same 321 banks and bank holding companies: 68%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $123.3 million → $133.9 million (+9%) | Median change of 321 other certified banks and bank holding companies nationwide: +7%. Rank by loans held among these 322: 253 → 254. |
| Home loans originated in 2025 (HMDA) | 82 | More than 39% of the 263 other certified CDFIs that reported 3 or more (120 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies nationwide | 321 | larger than 40% |
| Loans held then vs now | certified banks and bank holding companies nationwide reporting both dates | 321 | rank 253 → 254 of 322 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 39% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 1 SBA-backed approval for Bay Bank in fiscal years 2020–2026 (October 2019 to September 2026):
- 1 7(a) loans as the lender
By fiscal year: FY2020 0 · FY2021 1 · FY2022 0 · FY2023 0 · FY2024 0 · FY2025 0 · FY2026 0.
By program
- 7(a) standard (1, 100%)
How this lender was matched in the SBA files: FDIC cert 34052, found through the RSSD ID on the CDFI Fund list (SBA lists “Bay Bank”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Bay Bank may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Green Bay and Wisconsin
- Bay BancorporationBank holding company · Green Bay, WI · Native CDFIOfficial list only
- Brewery Credit UnionCredit union · Milwaukee, WIAuto / vehicle loans, Small-dollar / emergency loans, Home mortgages, Personal / consumer loansVerified
- CoVantage Credit UnionCredit union · Antigo, WIHome mortgagesVerified
- Community Assets for PeopleLoan fund · Stevens Point, WIAuto / vehicle loans, Microloans, Home mortgages, Personal / consumer loans…Verified
- First American Capital Corporation, Inc.Loan fund · Hale Corners, WI · Native CDFIMicroloans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- Forward Community Investments, Inc.Loan fund · Madison, WICommercial real estate loans, Nonprofit / community facility loans, Small-business loansVerified
Work at Bay Bank? Link to this page
Paste this into your website to show you are listed. If anything here is wrong, tell us first (how).
Something wrong or out of date on this page? Use the contact page or email contact@cdfiatlas.com and name the page.
CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.