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BDI
BB

BayCoast Bank

Swansea, MassachusettsFDIC Cert #90196

STATEEstablished 185125 branches

Holding company: NARRAGANSETT FINANCIAL CORPRegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.14%
−54.1%y/y
Peer standing71st percentile
Peer standing in ubpr:primary:101
FDICP3ASSET + LNLSGR
90+ %
0.00%
Peer standing100th percentile
Peer standing in ubpr:primary:101
FDICP9ASSET + LNLSGR
Nonaccrual %
1.54%
+495.6%y/y
Peer standing10th percentile
Peer standing in ubpr:primary:101
FDICNAASSET + LNLSGR
Noncurrent %
1.54%
+495.6%y/y
Peer standing13th percentile
Peer standing in ubpr:primary:101
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
1.21%
+497.8%y/y
Peer standing13th percentile
Peer standing in ubpr:primary:101
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$34.9M
+483.1%y/y
Peer standing17th percentile
Peer standing in ubpr:primary:101
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.19%
+583.7%y/y
Peer standing19th percentile
Peer standing in ubpr:primary:101
FDICNTLNLS + LNLSGR
NCO
$1.1M
+561.4%y/y
Peer standing19th percentile
Peer standing in ubpr:primary:101
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.18%
+4.4%y/y
Percentile by value79th percentileby value
Peer standing in ubpr:primary:101
FDICLNATRES + LNLSGR
30–89
$3.1M
−55.0%y/y
Peer standing60th percentile
Peer standing in ubpr:primary:101
FDICP3ASSET
90+
$0
Peer standing100th percentile
Peer standing in ubpr:primary:101
FDICP9ASSET
Nonaccrual
$34.9M
+483.1%y/y
Peer standing16th percentile
Peer standing in ubpr:primary:101
FDICNAASSET