18 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 2, 2026.
Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Nov 2, 2026
Call-report figures are for BayVanguard Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FDIC BankFind Suite (call report data) ASSET | Q2 2026 Quarter ended Jun 30, 2026 | Oct 24, 2026 |
| Revenue | Revenue (net interest + noninterest income) One quarter, as reported | FDIC BankFind Suite (call report data) NIMQ + NONIIQ | Q2 2026 Quarter ended Jun 30, 2026 | Oct 24, 2026 |
| Service-charge income | Service charges on deposit accounts One quarter, as reported | FDIC BankFind Suite (call report data) ISERCHGQ | Q2 2026 Quarter ended Jun 30, 2026 | Oct 24, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%. | Not on file | Not on file | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | BayVanguard Bank's published fee schedule; Bank Fee Index medians | Current schedule | Nov 2, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service-charge income was $106K in Q2 2026, 6.2% below the same quarter a year earlier ($113K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Comparison with U.S. medians for fees published by banks and credit unions.
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Maryland, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 12% from Q3 2025 to Q2 2026, to $106K.
$106K
BayVanguard BankMedian
FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
BayVanguard Bank · $869M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| BayVanguard Bank(this institution) | Baltimore, MD | $869M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| BankIowa | Cedar Rapids, IA | $846M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bogota Savings Bank | Teaneck, NJ | $872M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Falcon National Bank | Foley, MN | $872M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Farmers and Merchants Bank | Upperco, MD | $874M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Farmers National Bank | Prophetstown, IL | $896M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Bank | Ketchikan, AK | $890M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Liberty Bank | Oklahoma City, OK | $885M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Southern State Bank | Stevenson, AL | $893M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Focus Bank | Charleston, MO | $854M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Harmony Bank | Dallas, TX | $855M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Hawaii National Bank | Honolulu, HI | $872M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Legacy Bank | Colwich, KS | $865M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Liberty Bank for Savings | Chicago, IL | $869M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Newfield National Bank | Newfield, NJ | $889M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pendleton Community Bank, Inc. | Franklin, WV | $850M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pioneer Bank | Mapleton, MN | $884M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Savings Bank of Walpole | Walpole, NH | $858M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Southwest Heritage Bank | Scottsdale, AZ | $893M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Texas National Bank of Jacksonville | Jacksonville, TX | $852M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Old Fort Banking Company | Old Fort, OH | $844M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Savings Bank | Wakefield, MA | $891M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Titan Bank, N.A. | Mineral Wells, TX | $896M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Unified Bank | Martins Ferry, OH | $872M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| United Southern Bank | Umatilla, FL | $843M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Windsor Federal Bank | Windsor, CT | $895M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 17 publish this fee(monthly maintenance)
8 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $8 among 17 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026.
Monthly maintenance fee in dollars, one mark per institution
BayVanguard Bank does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026. Total assets from FDIC and NCUA records.
Call reports for BayVanguard Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $106K | −$3K | −2.8% |
| Q1 2026 | $109K | −$16K | −12.8% |
| Q4 2025 | $125K | +$4K | +3.3% |
| Q3 2025 | $121K | +$8K | +7.1% |
| Q2 2025 | $113K | +$10K | +9.7% |
| Q1 2025 | $103K | −$20K | −16.3% |
| Q4 2024 | $123K | +$20K | +19.4% |
| Q3 2024 | $103K | +$6K | +6.2% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from BayVanguard Bank’s own schedules, with a source for each figure.
per quarter
per hour
per hour
per hour
per item
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early Closure (account open less than 180 days) | $15 | Not stated | None |
| Dormant/Inactive Account (per quarter) | $2.50Not compared: Quarterly charge, not monthly | per quarter | None |
| Account Reconciliation (per hour) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research 12 months or older (per hour) | $40Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft Protection Sweep Transfer (per occourence) | $5 | Not stated | None |
ATM & Card | |||
| ATM Funds Transfers | $1.25 | Not stated | None |
| ATM Withdrawals | $1.25 | Not stated | None |
| ATM/Debit Card Replacement | $10 | Not stated | None |
Wire Transfers | |||
| Wire Out (Dosmetic) | $25 | Not stated | None |
| Wire In (Domestic) | $15 | Not stated | None |
| Wire Out (International) | $50 | Not stated | None |
| Wire In (International) | $50 | Not stated | None |
Check Services | |||
| Cashier Check (1 check free per day) | $6Not compared: Daily charge, not per item | per day | None |
| Stop Payment | $30 | Not stated | None |
| Non-Customer Check Cashing (drawn on us) | $5 | Not stated | None |
| Photocopy of Paid Check (greater than 25 months) | $7.50 | Not stated | None |
| Photocopy of Paid Check (per check) | $5 | per item | None |
Cash & Deposit | |||
| Returned Deposited Check | $15 | Not stated | None |
Account Services | |||
| Notary Public for Customer | No charge | Not stated | None |
| Notary Public for Non-Customer, per page | $2 | per item | None |
| Box Boring/Drill Box/Lost Both Keys | $200Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10x10 | $170 | Not stated | None |
| Safe Deposit Box 2x10 | $65 | Not stated | None |
| Safe Deposit Box 2x5 | $30 | Not stated | None |
| Safe Deposit Box 3x10 | $70 | Not stated | None |
| Safe Deposit Box 3x5 | $40 | Not stated | None |
| Safe Deposit Box 5x10 | $90 | Not stated | None |
| Safe Deposit Box 5x5 | $60 | Not stated | None |
| Safe Deposit Box 7x10 | $90 | per year | None |
| Attachments/Tax Levy/Garnishment | $150 | Not stated | None |
Lending Fees | |||
| Late Payment | $5 | Not stated | None |
Retirement & IRA | |||
| IRA Account External Transfer Fee | $25 | Not stated | None |
Other Fees | |||
| Fax Service (each additional page) | $1 | per item | None |
| Fax Service (first page) | $2 | Not stated | None |
| Photocopies | $0.50 | Not stated | None |
Nov 2, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where BayVanguard Bank operates, and what regulators and customers have on file.
Holding company
BV Financial, Inc. (Nasdaq: BVFL)
Consolidated assets
$878.0M
Shareholders' equity
$183.2M
As of
2026Q2
Net income by quarter
Source: SEC EDGAR filings and XBRL financial data, CIK 1302387. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.
Fee change alerts
We check once a day and send one email covering every change.