🏦Bank Scorer

BAYCOAST BANK

SWANSEA, MA · Supervised by FDIC

Est. 1851FDIC #90,196RSSD: FDIC-90196
Part ofNARRAGANSETT FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: April 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.36%

Institution Profile

FDIC BankFind

Address

330 Swansea Mall Dr, SWANSEA, MA

County

Bristol County

Established

November 15, 1851

Total Assets

$2.9B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

April 1, 2025

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Apr 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.9B

Total Deposits

$2.5B

Net Loans

$2.2B

Net Income

$3M

ROA

0.36%

ROE

3.96%

Risk-Based Capital

11.94%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate15.84%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

25

Branch Deposits

$2.5B

1-Year Change

0

5-year net change: +3 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202478965.78%15.84%
20231,03367.96%15.78%
20222,29874.37%10.88%
20211,02458.2%31.25%
202079875.06%15.79%
201968564.38%18.25%
20181,09571.87%10.23%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

11 previous ratings locked — dating back to 1994

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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