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BayCoast Bank


BayCoast Bank is an FDIC insured institution headquartered at 330 Swansea Mall Dr, Swansea, MA 02777.
It was founded in 1851 and has approximately $3 billion in assets. Customers can open an account at one of its 20 branches.

Deposit Rates - July 18, 2026

SAVINGS RATES APY MIN
SAV
0.10% $10 Compare
CD RATES APY MIN
6 Mo CD
0.20% $10 Compare
10 Mo CD
3.20% $10 Compare
12 Mo CD
0.35% $10 Compare
24 Mo CD
0.40% $10 Compare
36 Mo CD
0.50% $10 Compare
48 Mo CD
0.70% $10 Compare
60 Mo CD
0.70% $10 Compare
MM RATES APY MIN
Money Market
0.10% $1,000 Compare
Money Market
0.15% $50,000 Compare
Money Market
0.20% $100,000 Compare
INT CHECKING RATES APY MIN
INTCK
0.10% $500




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 90196
Date Established 1851
Assets $ 2.85 billion
Loans $ 2.25 billion
Deposits $ 2.43 billion
Capital $ 257.18 million

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions $ 38.52 million
Interest-bearing balances $ 16.43 million
Total securities $ 344.48 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 2.25 billion
Loan loss allowance $ 26.38 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 42.18 million
All other assets $ 111.82 million
     Total Assets $ 2.59 billion

LIABILITIES
Total deposits $ 2.43 billion
      Interest-bearing deposits $ 2.04 billion
      Deposits held in domestic offices $ 2.43 billion
      % insured (estimated)" 67.31%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 154.02 million
Subordinated debt N.A.
All other liabilities $ 32.17 millionn
      Total Liabilities $ 2.59 billion
      Shareholders’ Equity $ 257.18 million

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income $ 142.76 million
Total Interest Expense $ 59.64 million
Net interest income $ 83.12 million
Provision for loan and lease losses $ 6.01 million
Total non interest income $ 52.69 million
Total non interest expense $ 114.66 million
Pre-tax Net Operating Income $ 4.87 million

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