BayCoast Bank

Overview / Commentary

www.baycoastbank.com

508-678-7641

330 Swansea Drive
Swansea, MA 02777

BayCoast Bank is headquartered in Swansea and is the 26^th largest bank in the state of Massachusetts. It is also the 490^th largest bank in the nation. It was established in 1851 and as of March of 2019, it had grown to 411 employees at 21 locations. BayCoast Bank's CD rates are 33% higher than the national average, and it has an A health rating.

View all posts from:

2009

8/16 - High-Yield Reward Checking Account at Citizens Union Savings Bank in MA & RI - Local Only
6/28 - 3.82% 5-Year CD at Bank of Fall River in Massachusetts - Local Only

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Health

Data as of Q1 2019

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Health Grade Components

Overall
FDIC Certificate #	90196
Year Established	1851
Employees	411
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.93%
Return on Equity - YTD	10.06%
Annual Interest Income	$17.1MM

Assets and Liabilities
Assets	Q1 2019vs Q1 2018	$1.72B$1.53B
Loans	Q1 2019vs Q1 2018	$1.34B$1.21B
Deposits	Q1 2019vs Q1 2018	$1.34B$1.13B
Equity Capital	Q1 2019vs Q1 2018	$160.4MM$155.0MM
Loan Loss Allowance	Q1 2019vs Q1 2018	$9.9MM$8.0MM
Unbacked Noncurrent Loans	Q1 2019vs Q1 2018	$3.5MM$5.3MM
Real Estate Owned	Q1 2019vs Q1 2018	$1.8MM$32.00K

Rates

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Money Market
Checking
CD

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

BayCoast Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%	$100	-	Passbook Savings
0.10%	$10	-	Statement Savings
0.10%	$10	-	Holiday Club Savings

BayCoast Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%^*	$50k^*	-	Business Money Market Access
OTHER TIERS: 0.10% → $10 - $50k
0.25%^*	$100k^*	-	Consumer Money Market
OTHER TIERS: 0.10% → $1k - $10k \| 0.15% → $10k - $50k \| 0.20% → $50k - $100k

BayCoast Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.90%^*	-	$25k	Active Checking
OTHER TIERS: 0.25% → $25k+
0.10%	$500	-	Preferred Checking

BayCoast Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.50%	$500	-	24 Month Bump Up Statement CD Special
2.40%	$500	-	13 Month Statement CD Special
1.90%	$500	-	4 - 5 Year Statement CD
1.20%	$500	-	12 - 23 Month Statement CD
1.15%	$500	-	3 - 4 Year Statement CD
1.00%	$500	-	24 -35 Month Statement CD
0.45%	$500	-	6 Month - Less than 1 Year Statement CD
0.35%	$500	-	30 - 181 Day Statement CD

Locations

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