BayCoast Bank

BayCoast Bank of Swansea, MA, chartered 1851: 26 offices, $2.86bn in assets, a 8.29% leverage ratio. Straight from the federal record.

BayCoast Bank is an FDIC-insured community bank headquartered in Swansea, MA, chartered in 1851. It is supervised by the FDIC and held by Narragansett Financial Corp. Every figure below is filed by the bank with its regulator and reproduced here unchanged.

Where BayCoast Bank has branches

26 full-service offices across 2 states:

• Massachusetts: 19 offices in 11 towns, holding $2.17bn at 30 June 2025
• Rhode Island: 7 offices in 7 towns, holding $279m at 30 June 2025

BayCoast Bank on its latest Call Report, 30 June 2026

• Total assets: $2.86bn
• Total deposits: $2.46bn
• Tier 1 leverage ratio: 8.29%
• Total risk-based capital ratio: 12.02%
• Noncurrent loans, as a share of loans: 1.45%
• Return on assets: 0.51%
• Net interest margin: 3.41%
• Staff: 566

BayCoast Bank by town

Towns where it runs more than one office, busiest first. Each opens every one of its branches there.

• BayCoast Bank in Fall River, MA — 6 branches

Compare BayCoast Bank against every other bank with a branch in Massachusetts, or find the offices nearest you.

Charter and office records from the FDIC BankFind Suite; capital, loan and earnings figures from the bank's own Call Report; deposits by office from the FDIC Summary of Deposits, counted each 30 June.