Advertisement
Baycoast Bank
Swansea, MA · FDIC Certificate #90196 · Chartered 11/1
Total assets
$2.86B
Total deposits
$2.46B
Total equity
$257.79M
Net loans
$2.23B
Branches (offices)
25
Net income (YTD)
$7.29M
Rank: #446 of 4,213 U.S. banks by assets · #17 of 89 in Massachusetts. Assets changed -3.6% and deposits 0.5% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.51% |
| Return on equity | 5.65% |
| Net interest margin (YTD) | 3.41% |
| Equity to assets | 9.00% |
| Tier 1 leverage ratio | 8.29% |
| Uninsured deposits (share of deposits) | 32.8% |
| Noncurrent loans (share of loans) | 1.45% |
| Net charge-offs (share of loans) | 0.12% |
| Loans to deposits | 90.6% |
| Real estate loans (share of loans) | 85.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.92B | 85.9% | |
| Commercial & industrial | $189.49M | 8.5% | |
| Consumer / individual | $111.06M | 5.0% | |
| Construction & development | $164.27M | 7.4% | |
| Agricultural | $37.31M | 1.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.58B | $2.20B | -$5.32M | $196.13M |
| Jun 2023 | $2.90B | $2.42B | $4.21M | $224.39M |
| Jun 2024 | $2.96B | $2.39B | $6.31M | $243.37M |
| Jun 2025 | $2.97B | $2.45B | $5.50M | $254.72M |
| Jun 2026 | $2.86B | $2.46B | $7.29M | $257.79M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $2.17B | 19 |
| Rhode Island | $292.15M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.46B.
Similar-sized banks
Jefferson Bank ($2.88B) · Webbank ($2.86B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement