Baycoast Bank
Swansea, Massachusetts · FDIC Cert #90196
Baycoast Bank is an FDIC-insured bank (Certificate #90196) with $3.0B in total assets and $2.4B in total deposits as of the Q2 2024 Call Report. Headquartered in Swansea, Massachusetts, the bank maintains a Tier 1 capital ratio of 10.30% (Well-Capitalized) and a nonperforming loan ratio of 0.20%. BankHealthData assigns a composite Health Grade of C (62/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Baycoast Bank (FDIC cert 90196) is a mid-sized bank with $3.0B in total assets and $2.4B in deposits, based in Swansea, Massachusetts. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is adequate: Tier 1 capital ratio of 10.30% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is clean: non-performing loan ratio of 0.20% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is thin: 11.4% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is thin: ROA of 0.57% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. Baycoast Bank carries a composite BankHealth grade of C (62/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Baycoast Bank
- Total Assets
- $3.0B
- Total Deposits
- $2.4B
- Tier 1 Capital Ratio
- 10.30%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.20%
- Liquidity Ratio
- 11.37%
- Return on Assets
- 0.57%
- Headquarters
- Swansea, Massachusetts
- FDIC Certificate
- #90196
- Health Grade
- C (62/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Baycoast Bank holds a Tier 1 capital ratio of 10.30%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Baycoast Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Baycoast Bank shows average financial health. While not alarming, its Health Score of 62/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Baycoast Bank Compares
Baycoast Bank’s Health Score of 62 is 6 points below the Massachusetts state average of 68 across 97 FDIC-insured banks. Its 10.30% Tier 1 capital ratio is 3.7 points below the US banking industry average near 14%. The 0.20% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.57% is below the national ROA benchmark of ~1.1%. Among 453 similarly-sized banks, the average Health Score is 73, meaning this bank ranks below its size cohort. Site-wide, Baycoast Bank is 8 points below the portfolio average of 70.
Frequently Asked Questions
Baycoast Bank has a Bank Health Score of C (62/100), placing it in average financial health. It holds a Tier 1 capital ratio of 10.30%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Baycoast Bank's Tier 1 capital ratio of 10.30% and nonperforming loan ratio of 0.20% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Baycoast Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #90196). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Baycoast Bank holds $3.0B in total assets and $2.4B in total deposits. It is headquartered in Swansea, Massachusetts (FDIC Certificate #90196).
Baycoast Bank has a Tier 1 capital ratio of 10.30%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.20%, and the return on assets is 0.57%.
Yes. Baycoast Bank is FDIC-insured (Certificate #90196). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Baycoast Bank's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.