# BAYCOAST BANK
SWANSEA, MA · FDIC certificate 90196 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.86B | |
| Deposits | $2.46B | |
| Loans and leases | $2.26B | |
| Total equity | $257.8M | |
| Loans / deposits | 90.62% (p62 of band) | 87.10% |
| Liquid assets / assets | 14.49% (p21 of band) | |
| Uninsured deposits / deposits | 32.75% (p56 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.33% (p38 of band) | |
| FHLB advances / assets | 2.99% | |
| Tier 1 leverage | 8.29% (p4 of band) | 10.50% |
| Unrealized securities loss / equity | -3.35% (p73 of band) | -7.75% |
| AOCI / equity | -0.92% (p20 of band) | |
| ROA (annualized) | 0.51% (p9 of band) | 1.26% |
| Net interest margin | 3.41% (p32 of band) | 3.70% |
| Efficiency ratio | 84.34% (p96 of band) | |
| Noncurrent loans | 1.45% (p84 of band) | 0.51% |
| Net charge-offs (annualized) | 0.09% (p75 of band) | |
| Reserve coverage of noncurrent | 83.22% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 63.72% (p66 of band) | |
| Auto loans | $878,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 0.5% | |
| Employees | 566 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | expense ratio p90 |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 | uninsured deposits leaving | expense ratio p90 |
| 2012-12 | 2 | expense ratio p90 | uninsured deposits leaving |
| 2013-03 | 2 |  |  |
| 2013-06 | 3 | capital falling |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 2 |  | capital falling |
| 2014-06 | 1 |  | reserve under noncurrent |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | reserve under noncurrent |  |
| 2015-03 | 1 |  | reserve under noncurrent |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | capital falling |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 1 |  | capital falling |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 3 | loans exceed deposits, capital falling |  |
| 2017-12 | 2 |  | capital falling |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | capital falling |  |
| 2018-09 | 4 | wholesale funding >15% |  |
| 2018-12 | 4 |  |  |
| 2019-03 | 3 |  | capital falling |
| 2019-06 | 2 |  | loans exceed deposits |
| 2019-09 | 3 | capital falling |  |
| 2019-12 | 3 | loans exceed deposits, liquid assets <10% | wholesale funding >15%, capital falling |
| 2020-03 | 3 | wholesale funding >15%, losing money, construction >100% equity | expense ratio p90, loans exceed deposits, liquid assets <10% |
| 2020-06 | 3 | capital falling, expense ratio p90 | wholesale funding >15%, losing money |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 | securities losses >30% of equity | capital falling |
| 2021-03 | 3 |  |  |
| 2021-06 | 2 |  | construction >100% equity |
| 2021-09 | 3 | construction >100% equity |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 5 | losing money, charge-offs p90 |  |
| 2022-06 | 5 |  |  |
| 2022-09 | 5 | capital falling | securities losses >30% of equity |
| 2022-12 | 5 | brokered >10%, wholesale funding >15% | losing money, capital falling |
| 2023-03 | 4 |  | charge-offs p90 |
| 2023-06 | 3 | capital falling | brokered >10%, wholesale funding >15% |
| 2023-09 | 2 |  | capital falling |
| 2023-12 | 4 | loans exceed deposits, liquid assets <10% |  |
| 2024-03 | 1 | deposits shrinking | expense ratio p90, construction >100% equity, loans exceed deposits, liquid assets <10% |
| 2024-06 | 1 | loans exceed deposits | deposits shrinking |
| 2024-09 | 0 |  | loans exceed deposits |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | expense ratio p90 |  |
| 2025-06 | 2 | capital falling |  |
| 2025-09 | 1 |  | capital falling |
| 2025-12 | 2 | reserve under noncurrent |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-04 [BayCoast Bank names first-ever woman president - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQR2gzdk9MTjZyQlNDSEhrdnV3cmlmVGR4aGpKX3R5X2RDMmZjRXBSUU41QnhXc2cxdVZDUko4QW1fR3BrTmVOc3R3QnYzWERJNXFuQU5iZjZUcXRqZ01pd3BXZjBxaHJqbmZZd2l0Wk1OeVRXeHpsVFFuMGxEMTdtWVdlcmVhM0M5dTFjVmlzMzlJQXBTai1kMW5iSE02VE15cEdXOUZxMW8?oc=5) · The Business Journals
- 2025-12-15 [Fall River fixture, BayCoast Bank employee Doug (Dougie) Toupin receives distinguished award - Fall River Reporter](https://news.google.com/rss/articles/CBMivAFBVV95cUxOQk9UUE9rZzBRdi1zTE92VGl6bm9LU3ZfYl81UjdHQXAzR3VuSUJqLTVRZHhOQUtqUm1idl9nSzZBV3JBYkU3aGpCaDhNNlhTUFZvTDBjZnhMN2ZLUUpCRXZrb2dGa2JyZGdBS3dnNkh6bTJSU3VoMTBsTldzOGx3OWRVOVJCdGw5NFBkTWJuZlhFTjB0bWQ0Z2RwWEpSQzI2TVVVTWF0VEZ4bjZDejZ6LWplNTdiRk1Ecnp2bw?oc=5) · Fall River Reporter
- 2025-11-06 [BayCoast Bank helps make new, larger, home for Veterans Association of Bristol County a reality - Fall River Reporter](https://news.google.com/rss/articles/CBMixAFBVV95cUxPeGowbkpHeGdJM1FkQno2dHZhNmxlTUJCOEd6QkFoWEpTT1pyTnpCOVhCRlhmY29FRnJ3VEdlSUZ0SzBGSVkycUxBSUxoSkJUTTNXLS1rVVNjakxKOFVLQ3J6RUF6Mzh2WWVIb1Vlclc5aTl4OVVxZklTRGRLNlBETkFVRXZLQnNYbU5hMldubGV1QV9kT1lMSU9TaklQX3l5ZGcweGZwUVdQd0lybUhOOElLQnVqWlU2d245VGVvSTkyNmlm?oc=5) · Fall River Reporter
- 2022-04-19 [BayCoast Bank Promotes Olga Fernandes to Assistant Treasurer, Branch Manager of New River’s Edge branch in Fall River - citybiz](https://news.google.com/rss/articles/CBMi6gFBVV95cUxQQml4U1J3YjE4azNobXY2eFlzUkhBRDlTZjdCTHl0dEZtRUhWOWw0NmNuZkVEMlpsOGdGVlJxWUJrY0pUZ2JNdkdsMUhRXzNGRFVkQnowalN1WFBFeFQ2UjI1Z0VqSEQ5MGtoZGxBRVBmYzlWWXcyNk5oUTJPdllSb3JRcHVkaG1ub2ozVG5ybHZzQUJiSG5GLXQtb3lBMkE0WG15WG5fcmFadGFvYUFfbDdSVVNfck5iVEhxUDdBZWI0SFBVckJRbHB5NTJ4WUV0OHRKTUU0OEowOV9kOUtJQjhIWkFwaTQ5RlE?oc=5) · citybiz
- 2025-09-02 [BayCoast Bank promotes Wilmarth to lead business development - Fall River Herald News](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQVVhMR0x1Q2duREo5WGpVQ1UtaG5NZG5lb2ZYX2pVSmJsb3dzd1dyN1AwT2htc3cyNjdpUzJOc2FicVRIWTR0ZkpuRld1ZVJlRHBXSl9BS3RLMTI1TmQxY2dUTnRBMk9sMEFHclpVMnlGcWRCbjRVdXZuU0dScmZXLW1uZi04NEJ5SFJXVU91OXpJcWt2OENzUEktQmM1NWkwN1VjUjdJQjhJMjdzeGVUU0p2b3B3cDI1bjRLZUluTEZRa1k?oc=5) · Fall River Herald News
- 2019-02-05 [BayCoast Bank opens branch in Berkley - Providence Business News](https://news.google.com/rss/articles/CBMiZEFVX3lxTE9uWDNfalpOcUhTbGZ1bkk2YzkyWFBLTHJYMmI4OHR4SDBjY0lObEkwd2NQWVBGbTBZNjBjUDZyZVk5RmoweXJieUhiQkJmRENSRnNZc1ZyUUtWZUJwNkhnWUd6UWTSAWxBVV95cUxQOVdHcTlUZHdZeDc4LU1tUVExME0zN2FHc3IxRUMwaXFZZnoxTmd2QXU3YUk5TEdvTVh4T3JNMUpBRDZjSThCdm9IZWZvem5GUk90ZFF4enZmRWU2Y1dvcGR0dVZlUGdVUm14OWI?oc=5) · Providence Business News
- 2020-02-21 [BayCoast Bank promotes four to vice president posts - SouthCoastToday.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxOU2tPWFdWWU5Jb0pIN19XRFVSOVNwN2ZCV3FwdjliQ3NXSWZVelFUb2hyaDdRQ2d0MmdJSWIxWjNaMTZSMTRMUE83c2pkZzhuRldyUDdEV1pTZ0I2elBDM1VybktyUEt2QzN0c2sxYW9Meld5NlhGYmxEaUphWEtuQnZjNVNHSmtqTTg4X2Jqblpmc0hNczZHRUtCRndva3hjVFE?oc=5) · SouthCoastToday.com
- 2025-08-29 [FDIC: BayCoast Bank teller misappropriated funds - The Business Journals](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPdkkxMHFEN3NBZnpYVG9Vb0Z1UWdmSnJraWliYlphcDViZVFYdU5fYk1BZzlXNkplNFNCblZYSVVOclpqUTllbGZQOVROYThrZjg0cDNTLTl5Mkt5cHJTYTc0UlphZUJZMF9ZX2xuaElvR01kWTZrdUE0WGNBUXdqdHFsY190RjFp?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=90196 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/20.json (key "90196", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide