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BayCoast Bank
Swansea, MA·FDIC Cert #90196·Charter: STATE·Est. 18511115.0·HC: NARRAGANSETT FINANCIAL CORP
Total Assets
$2.8B
Q4 2025
Return on Assets
0.40%
+0.00%Peer avg: 1.25%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
83.67%
Peer avg: 58.3%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
45
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.40%+0.00
ROE
4.59%+0.01
Efficiency
83.67%-0.17
Equity/Assets
0.00%+0.00
NPL Ratio
1.22%+0.93
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
92.42%+0.39
Charge-offs
0.18%+0.14
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.6 | 0.4 | 0.4 | 0.4 | 0.2 | 0.4 | 0.4 | 0.4 |
| ROE | 7.8 | 5.2 | 4.9 | 4.6 | 2.3 | 4.3 | 4.6 | 4.6 |
| Efficiency | 72.3 | 80.1 | 81.6 | 82.5 | 88.1 | 83.9 | 83.8 | 83.7 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.2 | 0.2 | 0.2 | 0.3 | 0.3 | 0.3 | 1.2 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.2 |
| Loan/Deposit | 98.8 | 100.6 | 99.1 | 99.7 | 95.0 | 95.3 | 92.0 | 92.4 |
Balance Sheet
Total Assets$2.8B
Total Deposits$2.4B
Total Loans$2.3B
Total Equity$257.2M
Profitability
ROA0.40%
ROE4.59%
Efficiency Ratio83.67%
Net Income$11.7M
Risk & Asset Quality
NPL Ratio1.22%
Charge-off Rate0.18%
Loan/Deposit92.42%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans