BayCoast Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks BayCoast Bank of Swansea, MA against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.66% | 1.34% | -0.68% | 12th bottom |
| ROAE | 7.34% | 12.40% | -5.06% | 16th bottom |
| Net Interest Margin | 3.49% | 3.83% | -0.34% | 34th below |
| Efficiency Ratio | 82.41% | 57.84% | +24.57% | 4th bottom |
| PPNR / Avg Assets | 0.89% | — | — | 10th bottom |
| Yield on Earning Assets | 5.30% | 5.71% | -0.41% | 35th below |
| Cost of Funds | 1.89% | 2.02% | -0.13% | 57th above |
| Net Interest Spread | 3.05% | — | — | 48th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.58% | 1.00% | +0.58% | 17th bottom |
| NPA / Total Assets | 1.25% | — | — | 18th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.43% | -0.39% | 45th below |
| ACL / Total Loans | 1.21% | — | — | 60th above |
| ACL / NPLs (Coverage) | 76.36% | — | — | 19th bottom |
| Texas Ratio | 12.78% | 5.47% | +7.31% | 10th bottom |
| Provision / NCO | 173.85% | — | — | 52nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.77% | 14.99% | -4.22% | 6th bottom |
| Tier 1 Ratio | 10.77% | 15.02% | -4.25% | 6th bottom |
| Total Capital Ratio | 12.02% | — | — | 9th bottom |
| Leverage Ratio | 8.29% | 11.11% | -2.82% | 3rd bottom |
| Equity / Assets | 9.00% | 11.02% | -2.02% | 21st bottom |
| TCE / Tangible Assets | 8.11% | — | — | 13th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.73% | 86.99% | +4.74% | 38th below |
| Core Deposit Ratio | 91.92% | 85.57% | +6.35% | 68th above |
| Uninsured Deposit Ratio Ahead of the peer average, behind the median peer. | 32.75% | 33.19% | -0.44% | 44th below |
| Wholesale Funding Ratio | 3.33% | — | — | 54th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.64% | — | — | 4th bottom |
| Loan Growth (Y/Y) | -4.43% | — | — | 6th bottom |
| Deposit Growth (Y/Y) | 0.46% | — | — | 20th bottom |
See BayCoast Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock BayCoast Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full BayCoast Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the BayCoast Bank peer analysis.