Bank Comparison
Avidia Bank vs Baycoast Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
17 · 7
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Avidia Bank | Baycoast Bank |
|---|---|---|
| CET1 Ratio | 15.18% | 10.69% |
| Tier 1 Capital Ratio | 15.18% | 10.69% |
| Total Capital Ratio | 16.26% | 11.94% |
| Tier 1 Leverage Ratio | 11.90% | 8.22% |
| Equity / Assets | 11.81% | 8.95% |
Profitability
| Metric | Avidia Bank | Baycoast Bank |
|---|---|---|
| Return on Assets (ROA) | 0.89% | 0.36% |
| Return on Equity (ROE) | 7.64% | 3.96% |
| Net Interest Margin (NIM) | 3.59% | 3.26% |
| Yield on Earning Assets | 4.95% | 5.16% |
| Cost of Funds | 1.51% | 1.98% |
Asset quality
| Metric | Avidia Bank | Baycoast Bank |
|---|---|---|
| Texas Ratio | 4.92% | 14.77% |
| Non-Performing Loan Ratio | 0.74% | 1.67% |
| Non-Performing Asset Ratio | 0.60% | 1.32% |
| Net Charge-Off Ratio | 0.02% | 0.19% |
| ACL / Loans | 1.00% | 1.18% |
Balance sheet
| Metric | Avidia Bank | Baycoast Bank |
|---|---|---|
| Total Assets | $2,802M | $2,885M |
| Total Deposits | $2,228M | $2,481M |
| Total Loans | $2,284M | $2,274M |
| Total Equity | $330,967K | $258,226K |
| Net Income (quarter) | $6,270K | $2,557K |
Liquidity & funding
| Metric | Avidia Bank | Baycoast Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 102.54% | 91.66% |
| Core Deposit Ratio | 93.10% | 92.05% |
| Uninsured Deposit Ratio | 39.02% | 33.37% |
Identity
| Metric | Avidia Bank | Baycoast Bank |
|---|---|---|
| Headquarters City | HUDSON | SWANSEA |
| Headquarters State | MA | MA |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 10 | 25 |
| Employees (FTE) | 244 | 533 |
| Established | Feb. 26, 1869, midnight | Nov. 15, 1851, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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