BayCoast Bank
Swansea, MA
IDRSSD: 771609
Total Assets
$2.85B
Latest filing
Total Deposits
$2.43B
Latest filing
Net Interest Margin
3.38%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
2 routesView all→
211371887FALL RIVER, MA211372239FALL RIVER, MA
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
BayCoast Bank
330 Swansea Mall Dr
Swansea, MA 02777
Full Service - Brick and Mortar
Updated 01/30/2026Established 11/15/1851FDIC Certificate 17787
Branches (24)
Page 1 of 4| Name | Address | City / State |
|---|---|---|
| BayCoast Bank (Main) | 330 Swansea Mall Dr | Swansea, MA |
| NORTH DIGHTON BRANCH | 438 Spring St | North Dighton, MA |
| PLEASANT STREET BRANCH | 1485 Pleasant St | Fall River, MA |
| FAIRHAVEN BRANCH | 75 Alden Rd | Fairhaven, MA |
| STAFFORD ROAD BRANCH | 335 Stafford Rd | Fall River, MA |
| SOMERSET BRANCH | 921 Grand Army Hwy | Somerset, MA |
| ROBESON STREET BRANCH | 490 Robeson St | Fall River, MA |
| TROY STREET BRANCH | 81 Troy St | Fall River, MA |
Showing 7 of 24
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 11/15/1851 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 02777 |
| State and County Number | 25005 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 01 |
| Numeric code | 41 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Providence-Warwick, RI-MA |
Operational Info
| Number of Employees | 528 |
| Domestic Offices | 25 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/17/2024 |
| Date of Deposit Insurance | 06/18/1985 |
| Primary Insurance Agency | DIF |
| Website | www.baycoast.bank |
| Data Updated | 01/30/2026 |
| CERT | 90196 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.85B |
| Total Deposits | $2.43B |
| Total Liabilities | $2.59B |
| Total Equity Capital | $257.18M |
| Net Income | $2.96M |
| Net Loans and Leases | $2.25B |
| Assets Per Employee ($Millions) | $5.48M |
| Bank Premises and Fixed Assets | $50.74M |
| Cash and Balances due from Depository Institutions | $38.52M |
| Deposits Held in Domestic Offices | $2.43B |
Key Performance Ratios
| Return on Assets (ROA) | 0.41% |
| Return on Equity (ROE) | 4.63% |
| Net Interest Margin | 3.38% |
| Efficiency Ratio | 83.15% |
| Tier 1 Risk-Based Capital Ratio | 10.589% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.22% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.029% |
| Earning Assets to total Assets | 91.68% |
Income and Expense
| Total Interest Income | $35.69M |
| Total Noninterest Income | $11.85M |
| Total Interest Expense | $13.52M |
| Total Noninterest Expense | $28.55M |
| Net Interest Income | $22.17M |
| Pre-tax Net Operating Income | $3.87M |
| Provision for Credit Losses | $1.60M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $108.32M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $48.08M |
| Total Liabilities and Capital | $2.85B |
Securities
| Securities | $344.48M |
| Available-for-sale debt securities | $342.29M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of BayCoast Bank?
$2.85B as of the latest filing.
How much are BayCoast Bank's total deposits?
$2.43B in total deposits.
Where is BayCoast Bank located?
Swansea, MA.
What is the Net Interest Margin?
3.38%.
How many domestic offices does it operate?
25.
When was it established?
11/15/1851.
What is the Return on Assets (ROA)?
0.41%.
How much are total loans and leases?
$2.25B (latest filing).
What is the total interest income (latest filing)?
$35.69M.