Bank call report · Swansea, MA
BayCoast Bank Call Report
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BayCoast Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 413 reported line items, schedule by schedule (735 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 771609 |
| FDIC certificate number | 90196 |
| Total assets | $2.86B |
Official Q2 2026 call report PDF (FFIEC) →
BayCoast Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (27 items)
About Schedule RC · BayCoast Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $2.86B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $2.86B |
| Total Liabilities and Minority Interest | RCON2948 | $2.61B |
| Total Deposits | RCON2200 | $2.46B |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $2.24B |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $2.21B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $2.03B |
| Deposits: Noninterest-bearing | RCON6631 | $438.3M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $359.8M |
| Total Equity Capital | RCON3210 | $257.8M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $257.8M |
| Undivided Profits and Capital Reserves | RCON3632 | $132.1M |
| Surplus | RCON3839 | $128.8M |
| Other Assets | RCON2160 | $108.1M |
| Other Borrowed Money | RCON3190 | $95.3M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $50.5M |
| Other Liabilities, Total | RCON2930 | $46.1M |
| Intangible Assets | RCON2143 | $42.5M |
| Interest-bearing Balances | RCON0071 | $32.1M |
| Allowance for Loan and Lease Losses | RCON3123 | $27.4M |
| Goodwill | RCON3163 | $24.1M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $20.6M |
| Loans and Leases Held for Sale | RCON5369 | $20.0M |
| Direct and Indirect Investments in Real Estate Ventures | RCON3656 | $14.4M |
| Accumulated Other Comprehensive Income | RCONB530 | -$4.9M |
| Equity securities with readily determinable fair values not held for trading | RCONJA22 | $2.4M |
| Common Stock | RCON3230 | $1.9M |
Schedule RI: Income Statement (45 items)
About Schedule RI · BayCoast Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $69.6M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $63.4M |
| Total Noninterest Expense | RIAD4093 | $61.1M |
| Net Interest Income | RIAD4074 | $44.8M |
| Salaries and Employee Benefits | RIAD4135 | $39.3M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $35.6M |
| Total Noninterest Income | RIAD4079 | $27.3M |
| Total Interest Expense | RIAD4073 | $24.7M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $18.3M |
| Other Noninterest Expense | RIAD4092 | $13.8M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $12.5M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $9.1M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $8.9M |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $8.4M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $7.7M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $7.3M |
| Net Income (Loss) | RIAD4340 | $7.3M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $7.3M |
| Other Noninterest Income | RIADB497 | $7.0M |
| Noninterest income: Income from insurance activities | RIADHT74 | $7.0M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $5.1M |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $4.5M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $4.3M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $3.4M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $3.3M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $2.3M |
| Provision for Loan and Lease Losses | RIAD4230 | $2.3M |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $2.3M |
| Other Interest Expense | RIADGW44 | $2.1M |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $2.0M |
| Applicable Income Taxes | RIAD4302 | $1.8M |
| Interest on Other Securities | RIAD4060 | $1.3M |
| Net Servicing Fees | RIADB492 | -$1.1M |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $1.1M |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $959K |
| Noninterest income: Fees and commissions from securities brokerage, investment banking, advisory, and underwriting activities | RIADHT73 | $767K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $598K |
| Amortization Expense and Impairment Losses Intangible Assets | RIADC232 | $325K |
| Other Interest Income | RIAD4518 | $213K |
| Realized Gains (Losses) on Available-for-sale Debt Securities | RIAD3196 | $203K |
| Unrealized holding gains (losses) on equity securities not held for trading | RIADHT70 | $189K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $182K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | -$89K |
| Loans to Individuals for Households, Family, and Other Personal Expenditures: Credit Cards | RIADB485 | $83K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 566 |
Schedule RC-B: Securities (21 items)
About Schedule RC-B · BayCoast Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $366.1M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $252.0M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $249.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $110.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $93.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $77.1M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $55.3M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $47.4M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $45.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $36.5M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $34.8M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $34.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $29.0M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $26.3M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $25.2M |
| Pledged Securities | RCON0416 | $18.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $13.9M |
| Amortized Cost of Structured Notes | RCON8782 | $10.1M |
| Fair Value of Structured Notes | RCON8783 | $9.5M |
| Amortized Cost of Available-for-sale Other Foreign Debt Securities | RCON1744 | $5.6M |
| Fair Value of Available-for-sale Other Foreign Debt Securities | RCON1746 | $5.4M |
Schedule RC-C, Part I: Loans and Leases (34 items)
About Schedule RC-C, Part I · BayCoast Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $2.26B |
| Pledged Loans and Leases | RCONG378 | $975.2M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $489.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $461.5M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $410.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $389.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $353.9M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $339.7M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $295.2M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $290.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $230.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $225.7M |
| Commercial and Industrial Loans | RCON1766 | $189.5M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $186.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $184.9M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $108.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $102.7M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $97.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $89.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $81.6M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $76.7M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $67.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $49.5M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $37.3M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $35.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $31.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $27.3M |
| Other Loans | RCONJ464 | $4.5M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Other Nonfarm Nonresidential Properties | RCONK162 | $3.0M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $3.0M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Credit Cards | RCONB538 | $2.0M |
| Real Estate Loans Secured by Farmland | RCON1420 | $1.2M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $878K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $51K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (16 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $146.3M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $38.6M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $18.1M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $10.7M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $6.6M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $1.5M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $1.4M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $195K |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 363 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 254 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 150 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 144 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 125 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 43 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 5 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 1 |
Schedule RC-E: Deposit Liabilities (31 items)
About Schedule RC-E · BayCoast Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $1.65B |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $1.53B |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $873.9M |
| Total Transaction Accounts | RCON2215 | $816.9M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $758.3M |
| Total Demand Deposits (See Note Below) | RCON2210 | $573.4M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $288.7M |
| Total reciprocal deposits | RCONJH83 | $277.2M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $255.6M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $199.2M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $191.3M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $191.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $190.0M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $188.8M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $143.4M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $142.3M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $101.2M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $87.6M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $81.7M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $71.0M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $65.6M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $38.9M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $38.2M |
| Total Nontransaction Accounts of United States Government | RCON2520 | $32.4M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $29.5M |
| Total Transaction Accounts - Deposits of U.S. Government | RCON2202 | $12.0M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $9.7M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $7.7M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $4.5M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $597K |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $586K |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $43.3M |
| Other Assets | RCON2168 | $41.7M |
| Third Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3551 | $26.4M |
| Accrued Interest Receivable | RCONB556 | $9.9M |
| Net Deferred Tax Assets | RCON2148 | $7.5M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $5.6M |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $28.9M |
| Deferred Compensation Liabilities | RCONC011 | $21.9M |
| Other Expenses Accrued and Unpaid | RCON3646 | $16.1M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $782K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $381K |
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · BayCoast Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $2.86B |
| Quarterly Average of Total Loans | RCON3360 | $2.27B |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $1.24B |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $1.15B |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $696.4M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $390.0M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $288.9M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $282.4M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $192.3M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $179.4M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $111.0M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $98.9M |
| All Other Securities | RCONB560 | $67.5M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $35.3M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $26.9M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards | RCONB561 | $2.1M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (9 items)
About Schedule RC-L · BayCoast Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Year-to-date Merchant Credit Card Sales Volume: Sales for Which the Reporting Bank Is the Acquiring Bank | RCONC223 | $2.30B |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $230.9M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $183.2M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $178.3M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $72.4M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $65.4M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $55.6M |
| Unused Commitments - Credit Card Lines | RCON3815 | $9.6M |
| Performance Standby Letters of Credit | RCON3821 | $2.7M |
Schedule RC-M: Memoranda (14 items)
About Schedule RC-M · BayCoast Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $85.2M |
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $40.2M |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $19.0M |
| Mortgage Servicing Assets | RCON3164 | $14.6M |
| Secured Liabilities: Amount of 'Other Borrowings' That Are Secured | RCONF065 | $9.8M |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of Over Five Years | RCONF063 | $8.7M |
| All other intangible assets | RCONJF76 | $3.7M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $2.2M |
| Cost of equity securities with readily determinable fair values not held for trading | RCONJA29 | $1.5M |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of Over Three Year Through Five Years. | RCONF062 | $705K |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF061 | $439K |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $208K |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Five Years | RCONF058 | $112K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 2 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (19 items)
About Schedule RC-N · BayCoast Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $32.9M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $22.0M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual | RCONHK28 | $18.9M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Loans Secured by Owner Occupied Nonfarm Nonresidential Properties: Nonaccrual | RCONK116 | $15.5M |
| Additions to Nonaccrual Assets | RCONC410 | $9.6M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $3.7M |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $3.5M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty -Loans Secured by Other Nonfarm Nonresidential Properties :Nonaccrual | RCONK119 | $3.4M |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $1.2M |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $1.1M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $1.0M |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $857K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $510K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $426K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Multifamily (5 or More) Residential Properties - Nonaccrual | RCON3501 | $421K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-nonaccural | RCONC230 | $171K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards - Nonaccrual | RCONB577 | $47K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards - Past Due 30 Through 89 Days and Still Accruing | RCONB575 | $44K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC238 | $40K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (13 items)
About Schedule RC-O · BayCoast Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $2.86B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $2.57B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $1.45B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $1.05B |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $807.1M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $233.5M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $51.3M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $19.7M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 72,780 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 1,643 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 1,426 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 34 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-P: 1-4 Family Residential Mortgage Banking Activities (2 items)
Schedule RC-R: Regulatory Capital (2 items)
About Schedule RC-R · BayCoast Bank regulatory capital trends
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (25 items)
About Schedule RC-R, Part I · BayCoast Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $2.86B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $2.83B |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $2.18B |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $262.1M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $257.8M |
| Common Equity Tier 1 Capital | RCOAP859 | $234.8M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $234.8M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $234.8M |
| Retained Earnings | RCOAKW00 | $132.1M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $130.6M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $27.9M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $27.3M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $27.3M |
| Tier 2 Capital Before Deductions | RCOAP870 | $27.3M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $24.1M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$4.9M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$4.5M |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $3.7M |
| Less: Amounts Recorded in AOCI Attributed to Defined Benefit Postretirement Plans Resulting from the Initial and Subsequent Application of the Relevant GAAP Standards That Pertain to Such Plans (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP847 | -$382K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1202 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1077 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1077 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.0829 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0402 |
Schedule RC-R, Part II: Risk-Weighted Assets (64 items)
About Schedule RC-R, Part II · BayCoast Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $2.18B |
| Total Risk-weighted Assets | RCONG641 | $2.18B |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $1.68B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $1.68B |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $1.66B |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $1.35B |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $1.34B |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $854.5M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $797.4M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $795.0M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $746.4M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $398.7M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $362.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $303.2M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $303.2M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $254.0M |
| Total All Other Assets | RCOND981 | $215.5M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $168.2M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $145.0M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $108.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $69.5M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $69.0M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over One Year Through Five Years | RCONS583 | $56.0M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $53.7M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $52.7M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - One Year or Less | RCONS582 | $50.0M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $47.5M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $46.8M |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $36.6M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $32.9M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $32.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $31.7M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $31.7M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $29.2M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $29.0M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $28.5M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $27.5M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $26.6M |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS416 | $20.0M |
| Total Loans and Leases Held for Sale, Residential Mortgage Exposures | RCONS413 | $20.0M |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $14.6M |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $14.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $14.6M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $13.9M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over Five Years | RCONS584 | $11.0M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$6.3M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$6.1M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $6.0M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $5.2M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $4.2M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 100 Pct Risk Weight Category | RCONS454 | $3.7M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount | RCOND997 | $2.7M |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCONS447 | $2.5M |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONS445 | $2.5M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $2.4M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 50% | RCONS529 | $2.4M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 100 Pct Risk Weight Category | RCONG605 | $1.4M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount | RCOND998 | $1.4M |
| Risk-weighted Assets by Risk-weighted Category - 1250 Pct Risk Weight Category | RCONS579 | $700K |
| Over-the-counter Derivatives - 20 Pct Risk Weight Category | RCONS545 | $444K |
| Over-the-counter Derivatives - Credit Equivalent Amount | RCONS542 | $444K |
| Off-balance Sheet Securitization Exposures - 1250 Pct Risk Weight Exposure, by Calculation Method | RCONS497 | $56K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 1250 Pct Risk Weight Category | RCONS568 | $56K |
| Total Off-balance Sheet Securitization Exposures | RCONS495 | $56K |
Schedule RC-T: Fiduciary and Related Services (28 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Fiduciary Accounts - Managed Assets | RCONB894 | $1.11B |
| Investment Management Agency Accounts - Managed Assets | RCONB886 | $264.0M |
| Employee Benefit-defined Contribution - Managed Assets | RCONB872 | $245.5M |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Managed Assets | RCONJ255 | $197.9M |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Managed Assets | RCONJ259 | $175.2M |
| Other Retirement Accounts - Managed Assets | RCONB880 | $175.2M |
| Personal Trust and Agency Accounts - Managed Assets | RCONB868 | $115.5M |
| Employee Benefit-defined Benefit - Managed Assets | RCONB876 | $108.0M |
| Custody and Safekeeping Accounts - Non-managed Assets | RCONB898 | $50.6M |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Non-managed Asset | RCONJ260 | $4.9M |
| Income from Fiduciary Activities | RIAD4070 | $3.2M |
| Fiduciary and Related Services Income-investment Management and Investment Advisory Agency Accounts | RIADJ315 | $1.0M |
| Personal Trust and Agency Accounts | RIADB904 | $580K |
| Other Retirement Accounts | RIADB907 | $575K |
| Fiduciary and Related Services Income-foundation and Endowment Trust and Agency Accounts | RIADJ316 | $530K |
| Employee Benefit-defined Contribution | RIADB905 | $277K |
| Employee Benefit-defined Benefit | RIADB906 | $213K |
| Custody and Safekeeping Accounts | RIADB909 | $34K |
| Total Fiduciary Accounts - Number of Managed Accounts | RCONB896 | 1,017 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Managed Accounts | RCONJ261 | 454 |
| Other Retirement Accounts - Number of Managed Accounts | RCONB882 | 454 |
| Investment Management Agency Accounts - Number of Managed Accounts | RCONB888 | 356 |
| Personal Trust and Agency Accounts - Number of Managed Accounts | RCONB870 | 98 |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Number of Managed Accounts | RCONJ257 | 96 |
| Custody and Safekeeping Accounts - Number of Non-managed Accounts | RCONB899 | 26 |
| Employee Benefit-defined Contribution - Number of Managed Accounts | RCONB874 | 12 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Non-managed Accounts | RCONJ262 | 12 |
| Employee Benefit-defined Benefit - Number of Managed Accounts | RCONB878 | 1 |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance End of Previous Calendar Year as Restated | RIADB508 | $258.9M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $258.9M |
| Total Equity Capital | RIAD3210 | $257.8M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $6.0M |
| Other Comprehensive Income | RIADB511 | -$2.4M |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (11 items)
About Schedule RI-B, Part I · BayCoast Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $1.4M |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $1.3M |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $118K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $70K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $60K |
| Charge-offs on Loans to Credit Cards | RIADB514 | $40K |
| Loans Secured by Other Nonfarm Nonresidential Properties: Charge-offs | RIADC897 | $40K |
| Loans Secured by Other Nonfarm Nonresidential Properties: Recoveries | RIADC898 | $30K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Recoveries | RIADC896 | $9K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens | RIADC217 | $8K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens | RIADC218 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · BayCoast Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $27.4M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $26.4M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $1.4M |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (15 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $2.24B |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $1.05B |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $682.4M |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $230.8M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $163.5M |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $107.3M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $27.4M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $16.4M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $4.0M |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $2.3M |
| Loans and Leases, Held for Investment, Credit cards, Amortized Cost | RCONJJ08 | $2.0M |
| Loans and Leases, Held for Investment, Unallocated, Allowance Balance | RCONJJ18 | $1.3M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $1.2M |
| Loans and Leases, Held for Investment, Credit cards, Allowance Balance | RCONJJ16 | $1.1M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $1.1M |
Schedule SU: Supplemental Information (2 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Outstanding Principal Balance of Closed End 1-4 Family Residential Mortgage Loans Serviced for Others Plus the Total Outstanding Principal Balance of Other Financial Assets Serviced for Others If More Than $10 Million | RCONFT12 | $1.67B |
| Total Outstanding Principal Balance of Assets Sold and Securitized by the Reporting Institution with Servicing Retained or with Recourse or Other Seller Provided Credit Enhancement | RCONFT08 | $26.7M |
BayCoast Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the BayCoast Bank call report?
The BayCoast Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does BayCoast Bank file?
BayCoast Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the BayCoast Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: BayCoast Bank has Federal Reserve RSSD ID 771609 and FDIC certificate number 90196. Either one finds its filings on the FFIEC Central Data Repository.
How often does BayCoast Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
BayCoast Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 90196) · FFIEC NIC profile (RSSD 771609)