BayCoast Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at BayCoast Bank. Based in Swansea, Massachusetts, it had $2.9 billion in assets at June 30, 2026, down 3.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.45% of loans from 0.28% a year earlier. It spends about 82 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). It also holds common equity equal to 10.77% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 13.52%).
Net income for the quarter rose 18% from a year earlier, to $4.7 million. Over the same year, loans shrank 4.4% and deposits grew 0.5%. Credit is the area to watch: it carries problem assets equal to 12.8% of the capital and reserves that would absorb them, 3.6 times the median of 3.6% for banks its size.
As of June 30, 2026, BayCoast Bank reported a CET1 capital ratio of 10.77%, a return on assets of 0.66%, a nonperforming-loan ratio of 1.45% and a Texas ratio of 12.78%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 330 Swansea Mall Dr, Swansea, MA 02777
- County
- Bristol
- Metro Area
- Providence-Warwick, RI-MA
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- November 15, 1851
- Former names
- Citizens-Union Savings Bank (1983-2012); Union Savings Bank (1974-1983)
- Offices
- 26 domestic
- Employees (FTE)
- 566
- Domestic deposits
- $2.46B
- Allowance for credit losses
- $27.4M
- Net charge-offs (YTD)
- $1.3M
- Average total assets
- $2.86B
- Average total loans
- $2.27B
- Average interest-bearing deposits
- $2.02B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 18, 1985
- FDIC Cert
- 90196
- Fed RSSD
- 771609
- SEC CIK
- 1861869 → filed by NARRAGANSETT FINANCIAL CORPORATION
- Website
- www.baycoast.bank →
- Parent Holding Company
- NARRAGANSETT FINANCIAL CORPORATION (RSSD 2623430)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full BayCoast Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock BayCoast Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
BayCoast Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.77% | 0.66% | 1.58% | 12.78% | 3.49% |
| Q1 2026 | 10.69% | 0.36% | 1.67% | 13.59% | 3.26% |
| Q4 2025 | 10.67% | 0.65% | 1.34% | 10.68% | 3.32% |
| Q3 2025 | 10.66% | 0.44% | 1.16% | 2.55% | 3.16% |
| Q2 2025 | 10.49% | 0.55% | 1.13% | 2.59% | 3.00% |
| Q1 2025 | 10.73% | 0.20% | 1.01% | 2.38% | 2.83% |
| Q4 2024 | 10.62% | 0.31% | 0.35% | 2.19% | 2.82% |
| Q3 2024 | 10.48% | 0.36% | 0.82% | 1.59% | 2.71% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 25 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| New Bedford Branch | New Bedford , MA | 02740 | $218.8M |
| BayCoast Bank (main office) | Swansea , MA | 02777 | $201.2M |
| Ashley Boulevard Branch | New Bedford , MA | 02745 | $191.1M |
| Robeson Street Branch | Fall River , MA | 02720 | $157.3M |
| Westport Branch | Westport , MA | 02790 | $152.1M |
| Troy Street Branch | Fall River , MA | 02720 | $136.6M |
| Somerset Branch | Somerset , MA | 02726 | $122.1M |
| Fairhaven Branch | Fairhaven , MA | 02719 | $120.1M |
| Tiverton Ri Branch | Tiverton , RI | 02878 | $113.7M |
| Stafford Road Branch | Fall River , MA | 02721 | $112.4M |
| Dartmouth Street Branch | Dartmouth , MA | 02748 | $111.5M |
| Swansea Branch | Swansea , MA | 02777 | $103.3M |
| North Dighton Branch | North Dighton , MA | 02764 | $100.2M |
| Airport Road Express Branch | Fall River , MA | 02720 | $90.6M |
| Dartmouth Branch | Dartmouth , MA | 02747 | $90.1M |
| Seekonk Branch | Seekonk , MA | 02771 | $82.7M |
| Foxborough Branch | Foxborough , MA | 02035 | $78.9M |
| Cranston Branch | Cranston , RI | 02920 | $59.3M |
| Portsmouth Branch | Portsmouth , RI | 02871 | $44.3M |
| Berkley Branch | Berkley , MA | 02779 | $40.4M |
| Pleasant Street Branch | Fall River , MA | 02723 | $39.0M |
| Little Compton Branch | Little Compton , RI | 02837 | $30.1M |
| Providence Branch | Providence , RI | 02903 | $29.6M |
| Davol Street Branch | Fall River , MA | 02720 | $23.9M |
| Bristol Branch | Bristol , RI | 02809 | $15.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2011 | Structure Change | Acquired Bank of Fall River, a Co-operative Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 29, 1983 | Structure Change | Acquired Citizens-Union Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 28, 1983 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
What the public regulatory sources show for BayCoast Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in MA, rank 26 of 120 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,938 applications, 717 loans originated, $188.3M originated, across 24 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 22 loans, $3.0M approved, $137K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about BayCoast Bank
What are BayCoast Bank's total assets?
As of the Q2 2026 filing, BayCoast Bank reported total assets of $2.86 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is BayCoast Bank headquartered?
BayCoast Bank is headquartered in Swansea, MA, United States. It files quarterly FFIEC call reports, as every FDIC-insured savings bank must.
When was BayCoast Bank founded?
BayCoast Bank was established in 1851, per the FDIC institution directory.
Is BayCoast Bank FDIC-insured?
Yes. BayCoast Bank is an FDIC-insured savings bank (FDIC Certificate #90196). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates BayCoast Bank?
BayCoast Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is BayCoast Bank's CET1 capital ratio?
BayCoast Bank reported a Common Equity Tier 1 (CET1) capital ratio of 10.77% in its Q2 2026 call report, above regulatory requirements.
How many branches does BayCoast Bank operate?
BayCoast Bank operates 26 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is BayCoast Bank's Texas Ratio?
BayCoast Bank's Texas Ratio is 12.78% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was BayCoast Bank previously called?
The charter now named BayCoast Bank has also operated as Citizens-Union Savings Bank (1983-2012), Union Savings Bank (1974-1983), per FDIC structure-change records.
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