This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Swansea, MA
Health score
60.4
Total assets
$2.9B
Bank
Woburn, MA
Health score
88.4
Total assets
$3.4B
Answer first
BayCoast Bank leads on lending quality; Northern Bank & Trust Company leads on financial health and capitalization and profitability and growth. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Northern Bank & Trust Company
Higher TFS health score
Capitalization
Northern Bank & Trust Company
Higher comparable capital ratio
Profitability
Northern Bank & Trust Company
Higher return on assets
Lending quality
BayCoast Bank
Lower problem-loan measure
Growth
Northern Bank & Trust Company
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | BayCoast Bank | Northern Bank & Trust Company |
|---|---|---|
| TFS health score | 60.4/100 | 88.4/100Leads |
| Total assets | $2.9B | $3.4B |
| Total deposits / shares | $2.5B | $2.8B |
| Tier 1 capital ratio | 8.29% | 14.55%Leads |
| Return on assets | 0.51% | 1.90%Leads |
| Return on equity | 5.65% | 13.22% |
BayCoast Bank
25 branches
Northern Bank & Trust Company
14 branches
Both institutions report branches in 1 state: MA.
BayCoast Bank
Unavailable
Northern Bank & Trust Company
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
BayCoast Bank
0 in TFS registry
Northern Bank & Trust Company
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | BayCoast Bank score | BayCoast Bank ROA | Northern Bank & Trust Company score | Northern Bank & Trust Company ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 0.41% | — | 1.60% |
| 2024-Q4 | — | 0.38% | — | 1.56% |
| 2025-Q1 | — | 0.20% | — | 1.63% |
| 2025-Q2 | — | 0.37% | — | 1.80% |
| 2025-Q3 | — | 0.40% | — | 1.75% |
| 2025-Q4 | — | 0.40% | — | 1.64% |
| 2026-Q1 | 60.9/100 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| Non-performing loans | 1.45%Leads | 2.07% |
| Net charge-offs | 0.12% | 0.07%Leads |
| Efficiency ratio | 84.34% | 47.08%Leads |
| Loan-to-deposit ratio | 90.62% | 100.66% |
| Asset growth (YoY) | -3.64% | 4.97%Leads |
| Deposit / share growth (YoY) | 0.46% | 5.76%Leads |
| Branches | 25 | 14 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 0.36% |
| 85.7/100 |
| 1.78% |
| 2026-Q2 | 60.4/100 | 0.51% | 88.4/100 | 1.90% |