BAY COMMERCIAL SERVICES

BAY COMMERCIAL SERVICES operates as a state commercial bank focused on delivering deposit, lending, and treasury management capabilities to regional small and midsize businesses as well as public-sector entities navigating the practicalities of the SIC-defined commercial banking space; its core services bundle checking and savings accounts, short-term working capital loans, equipment financing, and payment collection solutions that reflect the conservative risk appetite typical of a bank regulated at both the state and federal level. The company emphasizes personal relationship management through locally based officers who shepherd underwriting and compliance tasks, a model that resonates with community clients seeking responsiveness alongside regulatory certainty. Material risks include interest-rate volatility, credit quality deterioration among borrowers in cyclical industries, and the ever-present scrutiny from bank regulators enforcing capital adequacy and anti-money-laundering rules, all underscored by the most recent public disclosure in the Form 8-K filed in May 1999. CIK 707854 anchors this profile, and readers are invited to view live SEC filings on Earnings Feed.

Source: Earnings Feed research · last updated 11/24/2025