$2.89B
−2.5%y/y
Percentile by value67th percentileby value
FDIC
ASSETBB
BayCoast Bank
Swansea, MassachusettsFDIC Cert #90196
STATEEstablished 185125 branches
Holding company: NARRAGANSETT FINANCIAL CORPRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportBayCoast Bank reported $2.89B in total assets. Deposits grew 2.59% over the prior year.
Return on assets was 0.36%, compared with the official FFIEC UBPR peer median of 0.75%. The leverage ratio was 8.22%.
- Why is Tier 1 Leverage Ratio below its official FFIEC UBPR peers?
- Why is CRE Concentration to Capital above its official FFIEC UBPR peers?
- Why is Net Loan Growth, Year over Year below its official FFIEC UBPR peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$2.48B
+2.6%y/y
Percentile by value73rd percentileby value
FDIC
DEP$2.25B
−2.1%y/y
Percentile by value71st percentileby value
FDIC
LNLSNET0.36%
+16 bpsy/y
Peer standing21st percentile
FDIC
NETINC + ROA86.25%
−186 bpsy/y
Peer standing13th percentile
FDIC
NONIX + NIM + NONII + EEFFR8.22%
+12 bpsy/y
Peer standing4th percentile
FDIC
RBC1AAJPercentiles compare this bank with 130 ffiec ubpr peer group 101 — insured savings banks having assets greater than $1 billion.
Side-by-side comparison
BayCoast Bank beside its official FFIEC UBPR peers
The primary option is the peer group FFIEC assigned to this bank. The state option is FFIEC’s supplemental state group. Each pair uses the published FFIEC trimmed average when its formula matches the site registry; otherwise it uses a clearly labeled registry median within the same official membership.
UBPR membership + Call Report metricsThis bank
0.36%
Registry median
0.75%
This bank
3.96%
FFIEC trimmed average
7.24%
This bank
3.30%
Registry median
3.07%
This bank
86.25%
Registry median
70.18%
This bank
+2.59%
FFIEC trimmed average
+3.65%
This bank
−2.15%
FFIEC trimmed average
+4.10%
This bank
1.54%
FFIEC trimmed average
0.69%
This bank
8.22%
FFIEC trimmed average
11.60%
This bank
2.46%
Registry median
2.63%
This bank
318%
Registry median
204%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
This bank
0.36%
Registry median
0.42%
This bank
3.96%
FFIEC trimmed average
4.51%
This bank
3.30%
Registry median
3.00%
This bank
86.25%
Registry median
76.21%
This bank
+2.59%
FFIEC trimmed average
+3.46%
This bank
−2.15%
FFIEC trimmed average
+3.15%
This bank
1.54%
FFIEC trimmed average
0.62%
This bank
8.22%
FFIEC trimmed average
11.16%
This bank
2.46%
Registry median
2.69%
This bank
318%
Registry median
198%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $2.24B | $1.94B |
| Q3 2021 | $2.25B | $1.98B |
| Q4 2021 | $2.26B | $2.01B |
| Q1 2022 | $2.29B | $2.04B |
| Q2 2022 | $2.58B | $2.2B |
| Q3 2022 | $2.6B | $2.18B |
| Q4 2022 | $2.82B | $2.46B |
| Q1 2023 | $2.92B | $2.59B |
| Q2 2023 | $2.9B | $2.42B |
| Q3 2023 | $2.88B | $2.38B |
| Q4 2023 | $2.88B | $2.36B |
| Q1 2024 | $2.93B | $2.42B |
| Q2 2024 | $2.96B | $2.39B |
| Q3 2024 | $2.98B | $2.4B |
| Q4 2024 | $2.92B | $2.34B |
| Q1 2025 | $2.96B | $2.42B |
| Q2 2025 | $2.97B | $2.45B |
| Q3 2025 | $2.86B | $2.46B |
| Q4 2025 | $2.85B | $2.43B |
| Q1 2026 | $2.89B | $2.48B |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $417M |
| Investor CRE | $356M |
| Multifamily | $292M |
| Construction | $186M |
| 1–4 family | $706M |
| C&I | $164M |
| Agriculture | $36.2M |
| Other | $119M |
FFIEC UBPR comparison
How this bank compares
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA0.36%21st percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.13%Median 0.75%90th 1.56%Observations 130
ROE
FDIC
NETINC + ROE3.96%26th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 1.17%Median 6.45%90th 15.17%Observations 130
NIM
FDIC
NIM + NIMY3.30%60th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.27%Median 3.07%90th 4.27%Observations 130
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR86.25%13th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 47.12%Median 70.18%90th 88.52%Observations 130
Deposits YoY
FDIC
DEP+2.59%45th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.43%Median +3.43%90th +10.59%Observations 130
Loans YoY
FDIC
LNLSNET−2.15%14th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.95%Median +3.82%90th +12.78%Observations 129
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.54%86th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.13%Median 0.56%90th 1.80%Observations 129
Leverage
FDIC
RBC1AAJ8.22%4th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.09%Median 10.79%90th 16.37%Observations 130
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.46%62nd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.81%Median 2.63%90th 3.99%Observations 130
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC318%81st percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 26%Median 204%90th 411%Observations 89
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA0.36%38th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.10%Median 0.42%90th 0.93%Observations 53
ROE
FDIC
NETINC + ROE3.96%40th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 1.00%Median 4.68%90th 8.61%Observations 53
NIM
FDIC
NIM + NIMY3.30%71st percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.33%Median 3.00%90th 3.66%Observations 53
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR86.25%29th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 61.82%Median 76.21%90th 95.64%Observations 53
Deposits YoY
FDIC
DEP+2.59%42nd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.84%Median +3.50%90th +9.97%Observations 53
Loans YoY
FDIC
LNLSNET−2.15%20th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −4.40%Median +3.39%90th +11.31%Observations 52
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.54%84th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.02%Median 0.46%90th 1.68%Observations 52
Leverage
FDIC
RBC1AAJ8.22%1st percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.77%Median 10.18%90th 14.68%Observations 53
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.46%69th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.99%Median 2.69%90th 3.47%Observations 53
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC318%84th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 66%Median 198%90th 337%Observations 33
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
Branches & markets
Physical footprint
- Domestic offices
- 25 branches
- Headquarters
- Swansea, MA
FDIC
OFFDOMOpen the Massachusetts dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data