BAYCOAST BANK

FDIC #90196 · MA · period 20260630

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Total assets1,169,700-10.91% YoY

Total deposits941,588-5.48% YoY

Net loans and leases912,619-7.35% YoY

Return on assets0.45%-79.44% YoY

Return on equity5.54%-75.75% YoY

Net interest margin3.40%+8.56% YoY

Peer position

Return on assets9thopportunity · n=902

Return on equity11thopportunity · n=894

Net interest margin32ndin line · n=902

Equity to assets21stopportunity · n=894

Noncurrent loans16thopportunity · n=887

Liquid assets22ndopportunity · n=895

Brokered deposits100thstrength · n=890

Loans to deposits38thin line · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	1,169,700	941,588	912,619	0.45	5.54	3.40
2016-06-30	1,212,291	965,419	957,962	0.43	5.41	3.38
2016-09-30	1,252,589	981,638	971,176	0.46	5.51	3.36
2016-12-31	1,261,279	991,892	956,369	0.44	5.12	3.32
2017-03-31	1,312,949	996,163	984,981	2.16	22.85	3.13
2017-06-30	1,354,010	1,012,537	1,007,841	1.30	13.77	3.19
2017-09-30	1,402,016	1,050,147	1,089,779	1.01	10.78	3.23
2017-12-31	1,458,622	1,123,679	1,147,355	0.80	8.26	3.27
2018-03-31	1,531,472	1,132,515	1,206,932	0.63	6.06	3.34
2018-06-30	1,560,246	1,149,009	1,214,289	0.58	5.65	3.35
2018-09-30	1,633,648	1,190,526	1,301,784	0.62	6.15	3.37
2018-12-31	1,682,487	1,311,989	1,347,037	0.55	5.57	3.39
2019-03-31	1,723,653	1,337,563	1,340,481	0.93	10.06	3.30
2019-06-30	1,769,943	1,433,398	1,409,765	0.72	7.83	3.29
2019-09-30	1,858,809	1,516,947	1,483,865	0.74	8.05	3.27
2019-12-31	1,782,088	1,419,240	1,461,775	0.79	8.61	3.32
2020-03-31	1,891,735	1,541,202	1,453,876	-0.69	-7.73	3.31
2020-06-30	2,126,183	1,731,732	1,630,547	0.48	5.55	3.25
2020-09-30	2,168,622	1,739,564	1,688,413	0.82	9.68	3.28
2020-12-31	2,116,330	1,746,094	1,656,293	1.09	12.97	3.32
2021-03-31	2,173,183	1,856,094	1,681,025	1.44	17.63	3.44
2021-06-30	2,244,726	1,939,434	1,734,847	1.10	13.11	3.39
2021-09-30	2,249,593	1,978,652	1,708,754	0.94	11.10	3.50
2021-12-31	2,259,576	2,012,837	1,726,947	1.12	13.03	3.55
2022-03-31	2,293,578	2,039,929	1,749,403	-0.11	-1.22	3.59
2022-06-30	2,580,450	2,198,133	2,008,302	-0.45	-5.29	3.58
2022-09-30	2,604,937	2,182,563	2,088,887	-0.15	-1.81	3.64
2022-12-31	2,820,893	2,462,433	2,282,682	0.02	0.21	3.56
2023-03-31	2,919,917	2,589,445	2,356,887	0.21	2.74	2.96
2023-06-30	2,901,000	2,418,136	2,376,232	0.29	3.80	2.89
2023-09-30	2,882,005	2,379,493	2,371,017	0.34	4.36	2.87
2023-12-31	2,879,323	2,358,763	2,389,756	0.36	4.60	2.83
2024-03-31	2,928,263	2,415,196	2,386,367	0.64	7.78	2.51
2024-06-30	2,957,182	2,388,416	2,401,746	0.43	5.22	2.55
2024-09-30	2,976,016	2,404,524	2,382,429	0.41	4.91	2.61
2024-12-31	2,921,141	2,340,344	2,334,264	0.38	4.58	2.68
2025-03-31	2,958,260	2,418,707	2,296,877	0.20	2.33	2.85
2025-06-30	2,971,760	2,452,977	2,337,580	0.37	4.33	2.92
2025-09-30	2,864,372	2,459,360	2,263,572	0.40	4.58	3.02
2025-12-31	2,846,896	2,434,755	2,250,314	0.46	5.25	3.11
2026-03-31	2,885,657	2,481,234	2,247,567	0.36	3.96	3.30
2026-06-30	2,863,572	2,464,346	2,233,115	0.51	5.65	3.41

Structure and branch footprint

26 current branch locations across 2 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2011-01-01	1	121576	771609
1983-10-29	1	835501	771609

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.