About Us

For over seven decades, our customers have relied upon the sound and secure local banking of Bay Bank & Trust Co. Since our origination in 1935, as Bay National Bank, we have held to a philosophy of banking that is responsive to the requirements of a growing and changing community. As our area’s oldest locally owned, independent bank, we have always been, and always will be, dedicated to delivering the highest quality financial services, while maintaining our trademark home town service.

Throughout the years, Bay Bank &Trust Co. has helped our community survive the dark days of Depression and World War II, and we have played an integral role in helping develop our area into one of Florida’s leading vacation destinations and newest growth markets.

We provide solid, safe, and secure banking our clients depend on. While we have grown with Bay County, and adapted to meet new banking challenges, we remain community minded. Our customers can rely on the personal banking relationship they have grown to trust.

Our employees – the Bay Bank Family – are our foundation. We strive to know our customers and provide them with superior financial support. In addition, our team are excellent citizens in the community, donating both time and resources to many civic and charitable organizations. At Bay Bank & Trust Co., we believe that by building our community, we build our Bank.

Soon we’ll be celebrating our 75th anniversary. We look forward to continuing our timeless tradition of one-on-one banking relationships and local banking decisions.