BV Financial, Inc.
BV Financial, Inc. operates as a bank holding company and registered financial institution subject to comprehensive regulation by the Federal Reserve Board. The company conducts its operations primarily through BayVanguard Bank, a Maryland-chartered commercial bank originally chartered in 1873 and headquartered in… From the company’s description.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What BV Financial, Inc. does
In the company’s own words
BV Financial, Inc. operates as a bank holding company and registered financial institution subject to comprehensive regulation by the Federal Reserve Board. The company conducts its operations primarily through BayVanguard Bank, a Maryland-chartered commercial bank originally chartered in 1873 and headquartered in Baltimore, Maryland. The company's website is www.bayvanguard.com.
BayVanguard Bank functions as a full-service community-oriented financial institution dedicated to serving the financial service needs of consumers and businesses throughout the Baltimore metropolitan area and Eastern Shore of Maryland. The bank operates from its main office and twelve branch locations across Baltimore City, Anne Arundel, Baltimore, and Harford Counties in Maryland, as well as Dorchester and Talbot Counties on the Eastern Shore.
The bank's primary business consists of taking deposits from the general public and investing those deposits in a diversified loan portfolio. As of December 31, 2025, the company had total assets of $912.2 million, loans of $754.9 million, deposits of $676.1 million, and stockholders' equity of $183.8 million. The loan portfolio is composed primarily of commercial real estate loans representing 53.2 percent of total loans, one- to four-family residential real estate loans representing 34.2 percent, and smaller portions of commercial loans, construction and land loans, marine loans, farm loans, and consumer loans. Commercial real estate loans include both owner-occupied and investor properties, with approximately 56.1 percent of commercial real estate loans secured by collateral located outside Maryland across 38 states.
The bank generates revenues primarily from interest on loans and, to a lesser extent, interest on investment securities. Deposit accounts offered include noninterest-bearing and interest-bearing checking accounts, money market accounts, savings accounts, and certificates of deposit. The bank also maintains an investment securities portfolio consisting of mortgage-backed securities, U.S. Treasury securities, investment grade corporate bonds, and subordinated debt. As a member of the Federal Home Loan Bank system, BayVanguard Bank is subject to comprehensive regulation and examination by the Office of the Commissioner of Financial Regulation for the State of Maryland and the Federal Deposit Insurance Corporation.
Company details
- Sector
- Financials
- Industry
- Banks & Brokers
- Headquarters
- BALTIMORE, MD
- Fiscal year end
- December
- CIK
- 1302387
- SIC
- 6035
Financial performance, year by year
Fiscal 2023–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns BV Financial, Inc. — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · BV Financial, Inc.’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Could not be determined for this company: bond issues.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
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