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BayCoast Bank

$1B-$10B Specialty: Commercial MA FDIC cert 90196

Designations: ✓ Community bank

Swansea, MA

26 branches across MA · RI

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 46 in MA.
  • Deposits +0.5% year over year ($2.5B on the books).
  • Delinquency rate 1.47%.
  • Return on assets 0.51%.
  • Efficiency ratio 84.34% vs a 59.73% peer average.
  • Loan-to-deposit ratio 90.62% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 46 in MA
View $1B-$10B leaderboard (MA) →

BayCoast Bank has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 40.1% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 1.1% in tier
  • - Capital Thin: Bottom 4.0% in tier
  • - Efficiency Drag: Bottom 50.0% in tier
  • - Return on Assets 0.88% below tier average
  • - Net Interest Margin 0.46% below tier average
  • - Delinquency Rate 0.61% above tier average
Get updates when BayCoast Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Total Assets ? $2.9B
-3.6% YoY -0.8% QoQ
+$70.3M $2.8B
-0.6% YoY
$7.0B
+13.2% YoY
$6.3B
+7.7% YoY
68%
Total Loans ? $2.2B
-4.5% YoY -0.6% QoQ
+$269.9M $2.0B
-0.3% YoY
$2.5B
+16.1% YoY
$3.2B
+9.4% YoY
72%
Total Deposits ? $2.5B
+0.5% YoY -0.7% QoQ
+$145.5M $2.3B
-0.5% YoY
$5.6B
+14.9% YoY
$4.9B
+7.3% YoY
69%
Return on Assets ? 0.51%
+36.6% YoY +42.7% QoQ
-0.88% 1.39%
+17.0% YoY
0.66%
+38.5% YoY
1.30%
+12.1% YoY
Bottom 7.7% in tier
Net Interest Margin ? 3.41%
+16.6% YoY +3.2% QoQ
-0.46% 3.87%
+6.2% YoY
3.05%
+8.7% YoY
3.95%
+4.9% YoY
31%
Efficiency Ratio ? 84.34%
+0.5% YoY -2.2% QoQ
+24.61% 59.73%
-12.6% YoY
79.07%
-1.9% YoY
70.05%
+2.5% YoY
Bottom 3.6% in tier
Delinquency Rate ? 1.47%
+424.3% YoY -5.3% QoQ
+0.61% 0.87%
+11.7% YoY
0.74%
+5.8% YoY
0.98%
+16.3% YoY
17%
Loan-to-Deposit Ratio ? 90.62%
-4.9% YoY +0.0% QoQ
+5.58% 85.04%
-0.1% YoY
91.41%
-1.2% YoY
79.03%
+2.3% YoY
39%
Non-Interest-Bearing Deposit Share ? 17.78%
-1.7% YoY +5.0% QoQ
-3.49% 21.27%
-1.5% YoY
16.01%
-3.7% YoY
21.98%
-0.6% YoY
39%
Nonperforming Asset Ratio ? 1.15%
+419.8% YoY -5.1% QoQ
+0.47% 0.67%
+11.7% YoY
0.59%
+7.5% YoY
0.69%
+15.8% YoY
18%
Tier 1 Capital Ratio ? 10.77%
+2.7% YoY +0.8% QoQ
-4.07% 14.84%
-0.4% YoY
15.08%
+1.7% YoY
17.09%
+0.8% YoY
Bottom 14.6% in tier
Non-Interest Income / Assets ? 0.95%
+3.9% YoY +116.6% QoQ
+0.42% 0.53%
+2.5% YoY
0.57%
+4.1% YoY
0.66%
+5.2% YoY
Top 6.9% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Noninterest-Bearing 17.8%
-0.3pp YoY
+0.9pp QoQ
 -3.6pp 21.4% 16.2% 22.2% 38%
Brokered Deposits n/a n/a 9.5% 6.1% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
C&I 8.5%
+1.8pp YoY
+1.2pp QoQ
 -5.5pp 14.0% 6.5% 12.5% 37%
CRE 54.0%
+0.3pp YoY
-1.6pp QoQ
 +4.0pp 50.0% 40.3% 41.4% 62%
1-4 Family 31.9%
-2.1pp YoY
+0.5pp QoQ
 +5.4pp 26.4% 52.4% 31.3% 69%
Consumer 5.0%
-0.2pp YoY
-0.2pp QoQ
 +0.3pp 4.7% 1.6% 5.0% 81%

Capital

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
CET1 Ratio 10.8%
+0.3pp YoY
+0.1pp QoQ
 -4.8pp 15.6% 16.6% 19.7% 6%
Leverage Ratio 8.3%
+0.2pp YoY
+0.1pp QoQ
 -3.0pp 11.3% 11.5% 12.6% 3%
Total Capital Ratio 12.0%
+0.3pp YoY
+0.1pp QoQ
 -4.7pp 16.7% 17.5% 20.8% 9%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Full-Time Employees 566
+25 (+4.6%) YoY
+33 (+6.2%) QoQ
 +252 313 755 482 87%
Assets per Employee ($) $5.1M
-7.9% YoY
-6.6% QoQ
 -$5.4M $10.5M $10.7M $8.8M 4%
Branch Count 25
0 YoY
0 QoQ
 +5 20 13 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.1% 0.4% n/a
Nonaccrual 1.5%
+1.2pp YoY
-0.1pp QoQ
 +0.6pp 0.8% 0.8% 1.0% 86%
Allowance Coverage 0.83x
-80.3% YoY
+8.5% QoQ
 -17.88x 18.71x 7.95x 20.23x 17%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
-0.1pp QoQ
 -0.1pp 0.3% 0.1% 0.2% 70%

Profitability

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
ROE 5.7%
+1.3pp YoY
+1.7pp QoQ
 -6.9pp 12.6% 5.6% 11.6% 10%
Cost of Funds (YTD) 1.9%
-0.4pp YoY
0.0pp QoQ
 0.0pp 1.9% 2.0% 1.7% 48%
Net Income ($, YTD) $7.3M
+32.7% YoY
— QoQ
 -$11.9M $19.2M $31.7M $40.4M 25%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth
#90 of 222 • Top 40.1% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.95%
(Tier: 0.53%, National: 0.66%)
better than tier avg
Return on Assets: 0.51%
(Tier: 1.39%, National: 1.30%)
but worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (3)

Liquidity Strain

risk
#5 of 361 • Bottom 1.1% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 90.62%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ

Capital Thin

risk
#10 of 222 • Bottom 4.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.77%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable

Efficiency Drag

risk
#31 of 60 • Bottom 50.0% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 84.34%
(Tier: 59.73%, National: 70.05%)
worse than tier avg
60 of 60 Mid-Market banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

62
Non-Interest Income / Assets
revenue_mix
Value: 0.95%
Peer Median: 0.53%
#62 of 885 Top 6.9% in $1B-$10B

Top Weaknesses (5 metrics)

854
Efficiency Ratio
profitability
Value: 84.34%
Peer Median: 59.73%
#854 of 885 Bottom 3.6% in $1B-$10B
818
Return on Assets
profitability
Value: 0.51%
Peer Median: 1.39%
#818 of 885 Bottom 7.7% in $1B-$10B
757
Tier 1 Capital Ratio
capital
Value: 10.77%
Peer Median: 14.84%
#757 of 885 Bottom 14.6% in $1B-$10B
736
Delinquency Rate
credit_quality
Value: 1.47%
Peer Median: 0.87%
#736 of 882 Bottom 16.7% in $1B-$10B
727
Nonperforming Asset Ratio
credit_quality
Value: 1.15%
Peer Median: 0.67%
#727 of 885 Bottom 18.0% in $1B-$10B
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