BayCoast Bank
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Data as of · sourced from FFIEC call reports. How we update
BayCoast Bank is an FDIC-insured savings bank headquartered in Swansea, MA, established in 1851 (FDIC certificate 90196), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.86B, down 3.6% from Q2 2025, the 17th largest of 89 banks headquartered in Massachusetts. Its CET1 capital ratio was 10.77% at Q2 2026, above regulatory requirements.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 90196
- Headquarters
- Swansea, MA
- Established
- 1851
- Total assets, Q2 2026
- $2.86B
- Assets vs Q2 2025
- -3.6%
- CET1 ratio, Q2 2026
- 10.77%
- Domestic offices
- 25 FDIC institution directory, current count
- Routing number
- 211372239
- Holding company
- NARRAGANSETT FINANCIAL CORPORATION
- Asset rank in state
- 17th of 89 in Massachusetts
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%. The figures come from its call report filed with the FFIEC.
Of the 89 banks headquartered in Massachusetts, BayCoast Bank is the 17th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.8% to $2.86B, loans fell 0.6% and deposits fell 0.7%. 1-4 family residential loans made up 31.5% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 18.2%. Its 25 offices in the FDIC Summary of Deposits are in 17 cities across 2 states; its Fall River 6 offices book 23% of its branch deposits. By the capital ratios in its Q2 2026 call report, BayCoast Bank meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 25 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, BayCoast Bank's total assets ran between $2.85B (Q4 2025) and $2.98B (Q3 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.86B total assets against $2.97B; $2.61B total liabilities against $2.72B.
$2.23B net loans and leases against $2.34B; $2.46B total deposits against $2.45B.
$362.2M securities against $320.5M; $52.7M cash and balances due against $98.4M.
$35.2M total interest income against $35.8M; $12.1M total interest expense against $15.4M.
$23.1M net interest income against $20.4M.
$14.6M total noninterest income against $15.4M; $31.3M total noninterest expense against $29.0M.
$800K provision for credit losses against $1.6M.
$4.7M net income against $4.0M.
0.66% return on assets against 0.55%; 3.49% net interest margin against 3.00%.
10.77% CET1 capital ratio against 10.49%; 8.29% tier 1 leverage ratio against 8.08%.
Inside the full BayCoast Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 438 of 4,196, for total assets; its furthest is 2,005 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.20% (Q1 2025) to 0.66% (Q2 2026) and its net interest margin ran from 2.71% (Q3 2024) to 3.49% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.77% | 0.66% | 1.45% | 12.78% | 3.49% |
| Q1 2026 | 10.69% | 0.36% | 1.54% | 13.59% | 3.26% |
| Q4 2025 | 10.67% | 0.65% | 1.21% | 10.68% | 3.32% |
| Q3 2025 | 10.66% | 0.44% | 0.28% | 2.55% | 3.16% |
| Q2 2025 | 10.49% | 0.55% | 0.28% | 2.59% | 3.00% |
| Q1 2025 | 10.73% | 0.20% | 0.26% | 2.38% | 2.83% |
| Q4 2024 | 10.62% | 0.31% | 0.23% | 2.19% | 2.82% |
| Q3 2024 | 10.48% | 0.36% | 0.16% | 1.59% | 2.71% |
Swipe the table sideways to see every column.
Branch Network
View all 25 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in MA, rank 26 of 112 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).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is BayCoast Bank headquartered?
It is headquartered in Swansea, MA, United States.
When was BayCoast Bank founded?
It was established in 1851, per the FDIC institution directory.
Is BayCoast Bank FDIC-insured?
Yes. It 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.
What is BayCoast Bank's CET1 capital ratio?
It 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?
It operates 25 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?
Its Texas Ratio is 12.78% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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