BAYCOAST BANK

SWANSEA, MA | Large | Est. Nov. 15, 1851, midnight | FDIC #90196 | RSSD #771609 | FDIC
Latest Report: 2025-12-31

BAYCOAST BANK is aln large FDIC-insured commercial bank headquartered in SWANSEA, MA, established in Nov. 15, 1851, midnight. As of 2025-12-31, the bank reported total assets of $2.8B and total deposits of $2.4B. Profitability stands at 0.65% ROA and 7.25% ROE, with a net interest margin of 3.38%. The bank's CET1 capital ratio is 10.67%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.21% and a Texas Ratio of 9.62%. FDIC Certificate #90196.

Assets

$2.8B

Deposits

$2.4B

Loans

$2.3B

Equity

$259M

Profitability

Return on Assets (ROA) 0.65%
Return on Equity (ROE) 7.25%
Net Interest Margin (NIM) 3.38%
Yield on Assets 5.43%
Cost of Funds 2.63%

Asset Quality

NPL Ratio 1.21%
Net Charge-Off Ratio 0.18%
Texas Ratio 9.62%
NPA Ratio 0.96%
ACL / Loans 1.16%

Capital & Liquidity

CET1 Ratio 10.67%
Tier 1 Capital 10.67%
Total Capital Ratio 11.92%
Leverage Ratio 8.18%
Loan-to-Deposit 93.51%

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