Baycoast Bank
Swansea, MA · Cert 90196 · Peer group: banks $1B-$10B in assets (n=322-328) · Narragansett Financial Corp.
SI · FDIC · 25 branches
Q2 2026
$2.9BAssets
$2.3BLoans
$2.5BDeposits
$257.8MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 35% of banks $1B-$10B in assets (rank 210 of 322).
- Widest gap: efficiency ratio trails 97% of banks $1B-$10B in assets (rank 320 of 328).
- Overall: at or above the peer median on 0 of 9 directional measures.
Return on Assets
0.51%
Rank 307 of 328
Net Interest Margin
3.17%
Rank 223 of 328
Efficiency Ratio
84.79%
Rank 320 of 328
Equity / Assets
9.00%
Rank 254 of 328
Non-interest income vs. expense
Unfavorable gap of $67.8M · efficiency ratio beats 3% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.51% | 0.91% | 1.22% | 1.52% | Beats 6% | 307 / 328 | | |
| Return on Equity | 5.66% | 8.43% | 11.45% | 14.43% | Beats 10% | 296 / 328 | | |
| Net Interest Margin | 3.17% | 3.03% | 3.45% | 3.83% | Beats 32% | 223 / 328 | | |
| Efficiency Ratio | 84.79% | 51.61% | 59.56% | 67.53% | Beats 3% | 320 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.45% | 0.24% | 0.51% | 1.03% | Beats 16% | 272 / 322 | | |
| Net Charge-Offs / Loans | 0.06% | 0.01% | 0.03% | 0.10% | Beats 35% | 210 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 10.77% | 11.75% | 13.15% | 15.47% | Beats 11% | 292 / 328 | | |
| Total Risk-Based Capital Ratio | 12.02% | 12.63% | 14.15% | 16.46% | Beats 18% | 268 / 328 | | |
| Equity / Assets | 9.00% | 9.15% | 10.33% | 12.01% | Beats 23% | 254 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 91.73% | 76.63% | 87.92% | 95.36% | 64th pctl | 115 / 323 | | |
| Loans / Assets | 78.94% | 65.18% | 74.15% | 79.98% | 70th pctl | 99 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |