BlastPoint's Banking Scorecard

BayCoast Bank

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

Designations: ✓ Community bank

Swansea, MA

26 branches across MA · RI

883 banks in the $1B-$10B peer group nationally 46 in 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

+ Non-Interest Income / Assets 0.18% above tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 1.2% in tier
- Capital Thin: Bottom 4.1% in tier
- Efficiency Drag: Bottom 54.0% in tier
- Return on Assets 1.01% below tier average
- Net Interest Margin 0.52% below tier average
- Delinquency Rate 0.66% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Total Assets ?	$2.9B -2.5% YoY +1.4% QoQ	+$68.0M	$2.8B -0.1% YoY	$6.7B +9.3% YoY	$6.2B +9.0% YoY	68%
Total Loans ?	$2.2B -2.1% YoY -0.1% QoQ	+$281.4M	$2.0B +0.6% YoY	$2.4B +16.6% YoY	$3.2B +10.7% YoY	73%
Total Deposits ?	$2.5B +2.6% YoY +1.9% QoQ	+$136.3M	$2.3B -0.3% YoY	$5.3B +11.5% YoY	$4.8B +8.0% YoY	69%
Return on Assets ?	0.36% +77.6% YoY -22.3% QoQ	-1.01%	1.37% +19.6% YoY	0.55% +41.3% YoY	1.24% +13.1% YoY	Bottom 6.8% in tier
Net Interest Margin ?	3.30% +15.9% YoY +6.3% QoQ	-0.52%	3.82% +6.9% YoY	3.01% +9.6% YoY	3.89% +5.7% YoY	29%
Efficiency Ratio ?	86.25% -2.1% YoY +3.1% QoQ	+25.20%	61.05% -4.6% YoY	80.10% -2.5% YoY	66.84% -3.8% YoY	Bottom 4.8% in tier
Delinquency Rate ?	1.55% +495.9% YoY +27.4% QoQ	+0.66%	0.89% +14.1% YoY	0.73% +28.2% YoY	0.95% +18.8% YoY	15%
Loan-to-Deposit Ratio ?	90.58% -4.6% YoY -2.0% QoQ	+6.38%	84.20% +0.3% YoY	91.35% -0.3% YoY	76.69% +0.9% YoY	36%
Non-Interest-Bearing Deposit Share ?	16.93% -2.0% YoY +3.2% QoQ	-4.35%	21.28% -2.5% YoY	15.67% -3.7% YoY	22.01% -1.1% YoY	35%
Nonperforming Asset Ratio ?	1.21% +497.8% YoY +25.5% QoQ	+0.54%	0.67% +15.6% YoY	0.58% +29.6% YoY	0.66% +19.3% YoY	15%
Tier 1 Capital Ratio ?	10.69% -0.4% YoY +0.1% QoQ	-4.48%	15.17% +2.0% YoY	15.05% +1.8% YoY	17.06% +0.8% YoY	Bottom 11.7% in tier
Non-Interest Income / Assets ?	0.44% +9.9% YoY -76.3% QoQ	+0.18%	0.26% +1.6% YoY	0.28% +1.4% YoY	0.32% +4.0% YoY	Top 7.4% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (0)

No matched strength signatures this quarter

Concerns (3)

Liquidity Strain

risk

#5 of 334 • Bottom 1.2% 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: 90.58%

(Tier: 84.20%, National: 76.69%)

worse than tier avg

334 of 334 Mid-Market banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Capital Thin

risk

#10 of 221 • Bottom 4.1% 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: 10.69%

(Tier: 15.17%, National: 17.06%)

worse than tier avg

221 of 221 Mid-Market banks match · 925 nationally

→ Stable +3 banks QoQ

Efficiency Drag

risk

#41 of 74 • Bottom 54.0% in tier

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

Why this signature

Efficiency Ratio: 86.25%

(Tier: 61.05%, National: 66.84%)

worse than tier avg

74 of 74 Mid-Market banks match · 492 nationally

→ Stable +2 banks QoQ | QoQ rank declining

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).

Compare against:

Comparing against 883 peers in $1B-$10B

Top Strengths (1 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 0.44%

Peer Median: 0.26%

#66 of 883 Top 7.4% in $1B-$10B

Top Weaknesses (5 metrics)

842

Efficiency Ratio

profitability

Value: 86.25%

Peer Median: 61.05%

#842 of 883 Bottom 4.8% in $1B-$10B

824

Return on Assets

profitability

Value: 0.36%

Peer Median: 1.37%

#824 of 883 Bottom 6.8% in $1B-$10B

781

Tier 1 Capital Ratio

capital

Value: 10.69%

Peer Median: 15.17%

#781 of 883 Bottom 11.7% in $1B-$10B

748

Delinquency Rate

credit_quality

Value: 1.55%

Peer Median: 0.89%

#748 of 879 Bottom 15.0% in $1B-$10B

750

Nonperforming Asset Ratio

credit_quality

Value: 1.21%

Peer Median: 0.67%

#750 of 883 Bottom 15.2% in $1B-$10B