What is BayCoast Bank's financial health grade?

BayCoast Bank has a TFS Financial Health Grade of D (score: 63.8/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does BayCoast Bank have?

BayCoast Bank has 25 branch locations across the United States.

Is BayCoast Bank FDIC insured?

Yes, BayCoast Bank is FDIC insured (Certificate #90196).

What are the total assets of BayCoast Bank?

BayCoast Bank has total assets of $2.8B as reported in its most recent FDIC filing.

BayCoast Bank

BankSwansea, Massachusetts

www.baycoast.bank

Total Assets

$2.8B

Total Deposits

$2.4B

Branches

Established

1851

TFS Health Grade

63.8 / 100

Below average financial health

How we grade

BayCoast Bank is a bank headquartered in Swansea, Massachusetts, established in 1851. With $2.8B in total assets and 25 branch locations, it has a TFS Financial Health Grade of D (63.8/100).

Capital & Safety

Tier 1 Capital Ratio

8.12%(8%)

Total Capital Ratio

11.83%(10%)

Non-Performing Loan Ratio

1.21%

Profitability

Return on Assets (ROA)

0.40%(1%)

Return on Equity (ROE)

4.59%(10%)

Net Interest Margin

3.11%

Efficiency Ratio

83.67%(60%)

Lending & Liquidity

Total Loans

$2.3B

Loan-to-Deposit Ratio

92.42%

Net Charge-Off Ratio

0.18%

Growth

Asset Growth (YoY)

-2.49%

Deposit Growth (YoY)

+4.03%

Net Income

$11.7M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
BayCoast BankHQ	330 Swansea Mall Dr	Swansea	MA	11
BayCoast Bank	2 Locust St	Berkley	MA	11
BayCoast Bank	714 Dartmouth St	Dartmouth	MA	11
BayCoast Bank	299 State Rd	Dartmouth	MA	11
BayCoast Bank	75 Alden Rd	Fairhaven	MA	11
BayCoast Bank	20 Turner St	Fall River	MA	11
BayCoast Bank	1485 Pleasant St	Fall River	MA	11
BayCoast Bank	335 Stafford Rd	Fall River	MA	11
BayCoast Bank	490 Robeson St	Fall River	MA	11
BayCoast Bank	81 Troy St	Fall River	MA	11
BayCoast Bank	310 Airport Rd	Fall River	MA	11
BayCoast Bank	8 Foxborough Blvd	Foxborough	MA	11
BayCoast Bank	1000 Ashley Blvd	New Bedford	MA	11
BayCoast Bank	23 Elm St	New Bedford	MA	11
BayCoast Bank	438 Spring St	North Dighton	MA	11
BayCoast Bank	110 Taunton Ave	Seekonk	MA	11
BayCoast Bank	921 Grand Army Hwy	Somerset	MA	11
BayCoast Bank	554 Wilbur Ave	Swansea	MA	11
BayCoast Bank	787 Main Rd	Westport	MA	11
BayCoast Bank	601 Hope St	Bristol	RI	11
BayCoast Bank	85 Sockanosset Cross Rd	Cranston	RI	11
BayCoast Bank	2 Meeting House Ln	Little Compton	RI	11
BayCoast Bank	1430 E Main Rd	Portsmouth	RI	11
BayCoast Bank	78 Dorrance St	Providence	RI	11
BayCoast Bank	1 Crandall Rd	Tiverton	RI	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.